secondqtr.htm

0000739421-15-000052.txt : 20150806 0000739421-15-000052.hdr.sgml : 20150806 20150806125853 ACCESSION NUMBER: 0000739421-15-000052 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 10 CONFORMED PERIOD OF REPORT: 20150630 FILED AS OF DATE: 20150806 DATE AS OF CHANGE: 20150806 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CITIZENS FINANCIAL SERVICES INC CENTRAL INDEX KEY: 0000739421 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 232265045 STATE OF INCORPORATION: PA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-13222 FILM NUMBER: 151032127 BUSINESS ADDRESS: STREET 1: 15 S MAIN ST CITY: MANSFIELD STATE: PA ZIP: 16933 BUSINESS PHONE: 5706622121 MAIL ADDRESS: STREET 1: 15 S MAIN ST CITY: MANSFIELD STATE: PA ZIP: 16933 10-Q 1 secondqtr.htm FORM 10-Q FOR SECOND QUARTER 2015 secondqtr.htm

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-Q

[X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES

EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2015

[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES

EXCHANGE ACT OF 1934

For the transition period from_____________________ to ___________________

Commission file number 0-13222

CITIZENS FINANCIAL SERVICES, INC.

(Exact name of registrant as specified in its charter)

PENNSYLVANIA 23-2265045

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

15 South Main Street

Mansfield, Pennsylvania 16933

(Address of principal executive offices)(Zip Code)

Registrant's telephone number, including area code: (570) 662-2121

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

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes __X__ No_____

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

Large accelerated filer ____ Accelerated filer _X__

Non-accelerated filer ____ Smaller reporting company ____

(Do not check if a smaller reporting company)

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes____ No __X__

The number of outstanding shares of the Registrant’s Common Stock, as of July 28, 2015, was 3,028,676.

Citizens Financial Services, Inc.

Form 10-Q

INDEX

		PAGE
Part I	FINANCIAL INFORMATION
Item 1.	Financial Statements (unaudited):
	Consolidated Balance Sheet as of June 30,2015 and December 31, 2014	1
	Consolidated Statement of Income for the Three and Six months Ended June 30,2015 and 2014	2
	Consolidated Statement of Comprehensive Income for the Three and Six months ended June 30, 2015 and 2014	3
	Consolidated Statement of Cash Flows for the Six Months ended June 30, 2015 and 2014	4
	Notes to Consolidated Financial Statements	5-29
Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	30-51
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	51
Item 4.	Controls and Procedures	51-52

Part II	OTHER INFORMATION
Item 1.	Legal Proceedings	52
Item 1A.	Risk Factors	52
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	52
Item 3.	Defaults Upon Senior Securities	52
Item 4.	Mine Safety Disclosures	52-53
Item 5.	Other Information	53
Item 6.	Exhibits	53
	Signatures	54

CITIZENS FINANCIAL SERVICES, INC.
CONSOLIDATED BALANCE SHEET
(UNAUDITED)

	June 30,	December 31,
(in thousands except share data)	2015	2014
ASSETS:
Cash and due from banks:
Noninterest-bearing	$ 9,910	$ 10,091
Interest-bearing	1,002	1,332
Total cash and cash equivalents	10,912	11,423
Interest bearing time deposits with other banks	5,960	5,960
Available-for-sale securities	304,792	306,146
Loans held for sale	1,152	497

Loans (net of allowance for loan losses:
2015, $6,959 and 2014, $6,815)	564,692	547,290

Premises and equipment	12,582	12,357
Accrued interest receivable	3,584	3,644
Goodwill	10,256	10,256
Bank owned life insurance	20,615	20,309
Other assets	7,934	7,166

TOTAL ASSETS	$ 942,479	$ 925,048

LIABILITIES:
Deposits:
Noninterest-bearing	$ 100,469	$ 95,526
Interest-bearing	691,418	678,407
Total deposits	791,887	773,933
Borrowed funds	39,194	41,799
Accrued interest payable	674	756
Other liabilities	7,499	8,032
TOTAL LIABILITIES	839,254	824,520
STOCKHOLDERS' EQUITY:
Preferred Stock
$1.00 par value; authorized 3,000,000 shares: none issued or outstanding at
June 30, 2015 and December 31, 2014;	-	-
Common stock
$1.00 par value; authorized 15,000,000 shares; issued 3,335,236 at June 30, 2015 and
December 31, 2014	3,335	3,335
Additional paid-in capital	25,124	25,150
Retained earnings	83,371	79,512
Accumulated other comprehensive income	171	767
Treasury stock, at cost: 306,560 shares at June 30, 2015
and 296,280 shares at December 31, 2014	(8,776)	(8,236)
TOTAL STOCKHOLDERS' EQUITY	103,225	100,528
TOTAL LIABILITIES AND
STOCKHOLDERS' EQUITY	$ 942,479	$ 925,048

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

CITIZENS FINANCIAL SERVICES, INC.
CONSOLIDATED STATEMENT OF INCOME
(UNAUDITED)
	Three Months Ended		Six Months Ended
	June 30		June 30,
(in thousands, except share and per share data)	2015	2014	2015	2014
INTEREST INCOME:
Interest and fees on loans	$ 7,129	$ 7,118	$ 14,168	$ 14,106
Interest-bearing deposits with banks	39	13	70	26
Investment securities:
Taxable	765	849	1,519	1,737
Nontaxable	801	840	1,649	1,682
Dividends	34	69	133	119
TOTAL INTEREST INCOME	8,768	8,889	17,539	17,670
INTEREST EXPENSE:
Deposits	1,035	1,094	2,044	2,199
Borrowed funds	172	145	347	309
TOTAL INTEREST EXPENSE	1,207	1,239	2,391	2,508
NET INTEREST INCOME	7,561	7,650	15,148	15,162
Provision for loan losses	120	150	240	330
NET INTEREST INCOME AFTER
PROVISION FOR LOAN LOSSES	7,441	7,500	14,908	14,832
NON-INTEREST INCOME:
Service charges	1,028	1,102	2,004	2,141
Trust	180	186	374	377
Brokerage and insurance	255	137	382	257
Gains on loans sold	60	30	98	70
Investment securities gains, net	175	75	301	246
Earnings on bank owned life insurance	154	121	306	242
Other	103	104	218	209
TOTAL NON-INTEREST INCOME	1,955	1,755	3,683	3,542
NON-INTEREST EXPENSES:
Salaries and employee benefits	2,993	2,893	6,049	5,810
Occupancy	348	304	717	654
Furniture and equipment	87	94	215	194
Professional fees	180	208	412	442
FDIC insurance	116	116	232	229
Pennsylvania shares tax	200	191	401	384
Other	1,504	1,194	2,737	2,378
TOTAL NON-INTEREST EXPENSES	5,428	5,000	10,763	10,091
Income before provision for income taxes	3,968	4,255	7,828	8,283
Provision for income taxes	779	890	1,519	1,742
NET INCOME	$ 3,189	$ 3,365	$ 6,309	$ 6,541

PER COMMON SHARE DATA:
Net Income - Basic	$ 1.06	$ 1.11	$ 2.09	$ 2.15
Net Income - Diluted	$ 1.06	$ 1.11	$ 2.09	$ 2.15
Cash Dividends Paid	$ 0.405	$ 0.385	$ 0.810	$ 0.770

Number of shares used in computation - basic	3,019,661	3,039,734	3,022,945	3,040,822
Number of shares used in computation - diluted	3,020,725	3,040,661	3,023,479	3,041,227

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

CITIZENS FINANCIAL SERVICES, INC.
CONSOLIDATED STATEMENT OF
COMPREHENSIVE INCOME
(UNAUDITED)
	Three Months Ended				Six Months Ended
	June 30,				June 30,
(in thousands)		2015		2014		2015		2014
Net income		$ 3,189		$ 3,365		$ 6,309		$ 6,541
Other comprehensive income (loss):
Change in unrealized gains on available
for sale securities	(2,049)		1,494		(704)		3,743
Income tax effect	698		(508)		240		(1,272)
Change in unrecognized pension cost	54		13		102		25
Income tax effect	(19)		(4)		(35)		(9)
Less: Reclassification adjustment for investment
security gains included in net income	(175)		(75)		(301)		(246)
Income tax effect	59		26		102		84
Other comprehensive income (loss), net of tax		(1,432)		946		(596)		2,325
Comprehensive income		$ 1,757		$ 4,311		$ 5,713		$ 8,866

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

CITIZENS FINANCIAL SERVICES, INC.
CONSOLIDATED STATEMENT OF CASH FLOWS
(UNAUDITED)	Six Months Ended
	June 30,
(in thousands)	2015	2014
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 6,309	$ 6,541
Adjustments to reconcile net income to net
cash provided by operating activities:
Provision for loan losses	240	330
Depreciation and amortization	236	233
Amortization and accretion of investment securities	992	1,100
Deferred income taxes	112	498
Investment securities gains, net	(301)	(246)
Earnings on bank owned life insurance	(306)	(242)
Originations of loans held for sale	(7,479)	(5,286)
Proceeds from sales of loans held for sale	6,922	5,089
Realized gains on loans sold	(98)	(70)
Increase in accrued interest receivable	60	171
Decrease in accrued interest payable	(81)	(160)
Other, net	(1,158)	(1,107)
Net cash provided by operating activities	5,448	6,851
CASH FLOWS FROM INVESTING ACTIVITIES:
Available-for-sale securities:
Proceeds from sales	18,393	12,151
Proceeds from maturity and principal repayments	31,163	29,294
Purchase of securities	(49,579)	(33,822)
Proceeds from redemption of regulatory stock	1,513	2,216
Purchase of regulatory stock	(1,342)	(1,484)
Net increase in loans	(17,792)	(113)
Purchase of premises and equipment	(514)	(145)
Proceeds from sale of foreclosed assets held for sale	100	296
Net cash (used) provided by investing activities	(18,058)	8,393
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	17,954	17,140
Proceeds from long-term borrowings	5,286	4,010
Repayments of long-term borrowings	(551)	(4,200)
Net decrease in short-term borrowed funds	(7,340)	(23,667)
Purchase of treasury and restricted stock	(997)	(733)
Dividends paid	(2,253)	(2,137)
Net cash provided (used) by financing activities	12,099	(9,587)
Net (decrease) increase in cash and cash equivalents	(511)	5,657
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	11,423	10,083
CASH AND CASH EQUIVALENTS AT END OF PERIOD	$ 10,912	$ 15,740

Supplemental Disclosures of Cash Flow Information:
Interest paid	$ 2,472	$ 2,668
Income taxes paid	$ 2,025	$ 1,885
Loans transferred to foreclosed property	$ 241	$ 239
Premises and equipment transferred from other assets	$ -	$ 549
Investments purchased and not settled	$ 319	$ -

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

CITIZENS FINANCIAL SERVICES, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

Note 1 - Basis of Presentation

Citizens Financial Services, Inc. (individually and collectively with its direct and indirect subsidiaries, the “Company”) is a Pennsylvania corporation organized as the holding company of its wholly owned subsidiary, First Citizens Community Bank (the “Bank”), and the Bank’s wholly owned subsidiary, First Citizens Insurance Agency, Inc. (“First Citizens Insurance”).

The accompanying consolidated financial statements have been prepared pursuant to rules and regulations of the Securities and Exchange Commission (“SEC”) and in conformity with U.S. generally accepted accounting principles. Because this report is based on an interim period, certain information and footnote disclosures normally included in financial statements prepared in accordance with U.S. generally accepted accounting principles have been condensed or omitted. Certain of the prior year amounts have been reclassified to conform with the current year presentation. Such reclassifications had no effect on net income or stockholders’ equity. All material inter-company balances and transactions have been eliminated in consolidation.

In the opinion of management of the Company, the accompanying interim financial statements at June 30, 2015 and for the periods ended June 30, 2015 and 2014 include all adjustments, consisting of only normal recurring adjustments, necessary for a fair presentation of the financial condition and the results of operations for the period. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period. The financial performance reported for the Company for the six month period ended June 30, 2015 is not necessarily indicative of the results to be expected for the full year. This information should be read in conjunction with the Company’s Annual Report on Form 10-K for the year ended December 31, 2014.

Note 2 - Earnings per Share

The following table sets forth the computation of earnings per share. Earnings per share calculations give retroactive effect to stock dividends declared by the Company.

	Three months ended		Six months ended
	June 30,		June 30,
	2015	2014	2015	2014
Net income applicable to common stock	$3,189,000	$3,365,000	$6,309,000	$6,541,000

Basic earnings per share computation
Weighted average common shares outstanding	3,019,661	3,039,734	3,022,945	3,040,822
Earnings per share - basic	$1.06	$1.11	$2.09	$2.15

Diluted earnings per share computation
Weighted average common shares outstanding for basic earnings per share	3,019,661	3,039,734	3,022,945	3,040,822
Add: Dilutive effects of restricted stock	1,064	927	534	405
Weighted average common shares outstanding for dilutive earnings per share	3,020,725	3,040,661	3,023,479	3,041,227
Earnings per share - diluted	$1.06	$1.11	$2.09	$2.15

For the three months ended June 30, 2015 and 2014, there were 3,287 and 2,188 shares, respectively, related to the restricted stock plan that were excluded from the diluted earnings per share calculations since they were anti-dilutive. These anti-dilutive shares had prices ranging from $44.50-$53.15 for the three month period ended June 30, 2015 and prices ranging from $50.15-$50.50 for the three month period ended June 30, 2014. For the six months ended June 30, 2015 and 2014, 3,287 and 2,409 shares, respectively, related to the restricted stock plan were excluded from the diluted earnings per share calculations since they were anti-dilutive. These anti-dilutive shares had prices ranging from $44.50-$53.15 for the six month period ended June 30, 2015 and prices ranging from $34.70-$50.50 for the six month period ended June 30, 2014.

Note 3 - Income Tax Expense

Income tax expense is less than the amount calculated using the statutory tax rate, primarily as a result of tax-exempt income earned from state and municipal securities and loans and investments in tax credits.

Investments in Qualified Affordable Housing Projects

As of June 30, 2015 and December 31, 2014, the Company was invested in four partnerships that provide affordable housing. The balance of the investments, which is included within other assets in the Consolidated Balance Sheet, was $1,088,000 and $1,218,000 as of June 30, 2015 and December 31, 2014, respectively. Investments purchased prior to January 1, 2015, are accounted for utilizing the effective yield method. As of June 30, 2015, the Company has $1,143,000 of tax credits remaining that will be recognized over seven years. Tax credits of $49,000 and $99,000 were recognized as a reduction of tax expense during the three and six months ended June 30, 2015, respectively.

Note 4 – Investments

The amortized cost, gross unrealized gains and losses, and fair value of investment securities at June 30, 2015 and December 31, 2014 were as follows (in thousands):

		Gross	Gross
	Amortized	Unrealized	Unrealized	Fair
June 30, 2015	Cost	Gains	Losses	Value
Available-for-sale securities:
U.S. agency securities	$ 167,187	$ 778	$ (385)	$ 167,580
Obligations of state and
political subdivisions	93,796	2,829	(343)	96,282
Corporate obligations	12,713	141	(49)	12,805
Mortgage-backed securities in
government sponsored entities	26,096	287	(33)	26,350
Equity securities in financial institutions	1,318	457	-	1,775
Total available-for-sale securities	$ 301,110	$ 4,492	$ (810)	$ 304,792

December 31, 2014
Available-for-sale securities:
U.S. agency securities	$ 150,847	$ 638	$ (600)	$ 150,885
U.S. treasury securities	4,944	-	(95)	4,849
Obligations of state and
political subdivisions	101,281	3,854	(99)	105,036
Corporate obligations	13,853	190	(85)	13,958
Mortgage-backed securities in
government sponsored entities	29,397	368	(37)	29,728
Equity securities in financial institutions	1,137	553	-	1,690
Total available-for-sale securities	$ 301,459	$ 5,603	$ (916)	$ 306,146

The following table shows the Company’s gross unrealized losses and fair value of the Company’s investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment category and length of time, which individual securities have been in a continuous unrealized loss position, at June 30, 2015 and December 31, 2014 (in thousands). As of June 30, 2015, the Company owned 72 securities whose fair value was less than their cost basis.

June 30, 2015	Less than Twelve Months		Twelve Months or Greater		Total
		Gross		Gross		Gross
	Fair	Unrealized	Fair	Unrealized	Fair	Unrealized
	Value	Losses	Value	Losses	Value	Losses
U.S. agency securities	$ 60,908	$ (302)	$ 10,910	$ (83)	$ 71,818	$ (385)
Obligations of state and
political subdivisions	23,486	(263)	5,212	(80)	28,698	(343)
Corporate obligations	5,434	(31)	2,184	(18)	7,618	(49)
Mortgage-backed securities in
government sponsored entities	4,616	(21)	273	(12)	4,889	(33)
Total securities	$ 94,444	$ (617)	$ 18,579	$ (193)	$ 113,023	$ (810)

December 31, 2014
U.S. agency securities	$ 27,382	$ (110)	$ 43,642	$ (490)	$ 71,024	$ (600)
U.S. treasury securities	-	-	4,849	(95)	4,849	(95)
Obligations of states and
political subdivisions	3,596	(19)	8,584	(80)	12,180	(99)
Corporate obligations	505	(1)	7,707	(84)	8,212	(85)
Mortgage-backed securities in
government sponsored entities	5,025	(4)	2,229	(33)	7,254	(37)
Total securities	$ 36,508	$ (134)	$ 67,011	$ (782)	$ 103,519	$ (916)

As of June 30, 2015, the Company’s investment securities portfolio contained unrealized losses on agency securities issued or backed by the full faith and credit of the United States government or are generally viewed as having the implied guarantee of the U.S. government, obligations of states and political subdivisions, corporate obligations and mortgage backed securities issued by government sponsored entities. For fixed maturity investments management considers whether the present value of cash flows expected to be collected are less than the security’s amortized cost basis (the difference defined as the credit loss), the magnitude and duration of the decline, the reasons underlying the decline and the Company’s intent to sell the security or whether it is more likely than not that the Company would be required to sell the security before its anticipated recovery in market value, to determine whether the loss in value is other than temporary. Once a decline in value is determined to be other than temporary, if the Company does not intend to sell the security, and it is more likely than not that it will not be required to sell the security before recovery of the security’s amortized cost basis, the charge to earnings is limited to the amount of credit loss. Any remaining difference between fair value and amortized cost (the difference defined as the non-credit portion) is recognized in other comprehensive income, net of applicable taxes. Otherwise, the entire difference between fair value and amortized cost is charged to earnings. For equity securities where the fair value has been significantly below cost for one year, the Company’s policy is to recognize an impairment loss unless sufficient evidence is available that the decline is not other than temporary and a recovery period can be predicted. The Company has concluded that any impairment of its investment securities portfolio outlined in the above table is not other than temporary and is the result of interest rate changes, sector credit rating changes, or issuer-specific rating changes that are not expected to result in the non-collection of principal and interest during the period.

Proceeds from sales of securities available-for-sale for the six months ended June 30, 2015 and 2014 were $18,393,000 and $12,151,000, respectively. For the three months ended June 30, 2015 and 2014, there were sales of $3,770,000 and $6,595,000, respectively, of available-for-sale securities. The gross gains and losses were as follows (in thousands):

	Three Months Ended		Six Months Ended
	June 30,		June 30,
	2015	2014	2015	2014
Gross gains	$ 175	$ 75	$ 312	$ 246
Gross losses	-	-	(11)	-
Net gains	$ 175	$ 75	$ 301	$ 246

Investment securities with an approximate carrying value of $170.9 million and $186.4 million at June 30, 2015 and December 31, 2014, respectively, were pledged to secure public funds and certain other deposits.

Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. The amortized cost and fair value of debt securities at June 30, 2015, by contractual maturity, are shown below (in thousands):

	Amortized
	Cost	Fair Value
Available-for-sale debt securities:
Due in one year or less	$ 3,420	$ 3,459
Due after one year through five years	166,695	167,737
Due after five years through ten years	44,355	45,146
Due after ten years	85,322	86,675
Total	$ 299,792	$ 303,017

Note 5 – Loans

The Company grants loans primarily to customers throughout North Central Pennsylvania and Southern New York. Although the Company had a diversified loan portfolio at June 30, 2015 and December 31, 2014, a substantial portion of its debtors’ ability to honor their contracts is dependent on the economic conditions within these regions. The following table summarizes the primary segments of the loan portfolio and how those segments are analyzed within the allowance for loan losses as of June 30, 2015 and December 31, 2014 (in thousands):

June 30, 2015	Total Loans	Individually evaluated for impairment	Collectively evaluated for impairment
Real estate loans:
Residential	$ 181,566	$ 333	$ 181,233
Commercial and agricultural	224,450	5,578	218,872
Construction	8,025	-	8,025
Consumer	8,374	-	8,374
Other commercial and agricultural loans	64,506	2,248	62,258
State and political subdivision loans	84,730	-	84,730
Total	571,651	$ 8,159	$ 563,492
Allowance for loan losses	6,959
Net loans	$ 564,692

December 31, 2014
Real estate loans:
Residential	$ 185,438	$ 316	$ 185,122
Commercial and agricultural	215,584	6,112	209,472
Construction	6,353	-	6,353
Consumer	8,497	-	8,497
Other commercial and agricultural loans	58,516	2,394	56,122
State and political subdivision loans	79,717	-	79,717
Total	554,105	$ 8,822	$ 545,283
Allowance for loan losses	6,815
Net loans	$ 547,290

The segments of the Company’s loan portfolio are disaggregated into classes to a level that allows management to monitor risk and performance. Residential real estate mortgages consists primarily of 15 to 30 year first mortgages on residential real estate, while residential real estate home equity loans are consumer purpose installment loans or lines of credit secured by a mortgage which is often a second lien on residential real estate with terms of 15 years or less. Commercial real estate loans are business purpose loans secured by a mortgage on commercial real estate. Agricultural real estate loans are loans secured by a mortgage on real estate used in agriculture production. Construction real estate loans are loans secured by residential or commercial real estate used during the construction phase of residential and commercial projects. Consumer loans are typically unsecured or primarily secured by assets other than real estate and overdraft lines of credit are typically secured by customer deposit accounts. Other commercial loans are loans for commercial purposes primarily secured by non-real estate collateral. Other agricultural loans are loans for agricultural purposes primarily secured by non-real estate collateral. State and political subdivision loans are loans to state and local municipalities for capital and operating expenses or tax free loans used to finance commercial development.

Management considers commercial loans, other agricultural loans, state and political subdivision loans, commercial real estate loans and agricultural real estate loans which are 90 days or more past due to be impaired. Management will also consider a loan impaired based on other factors it becomes aware of, including the customer’s results of operations and cash flows or if the loan is modified in a troubled debt restructuring. In addition, certain residential mortgages, home equity and consumer loans that are cross collateralized with commercial relationships that are determined to be impaired may also be classified as impaired. Impaired loans are analyzed to determine if it is probable that all amounts will not be collected according to the contractual terms of the loan agreement. If management determines that the value of the impaired loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allocation of the allowance for loan losses or a charge-off to the allowance for loan losses.

The following table includes the recorded investment and unpaid principal balances for impaired financing receivables by class, with the associated allowance amount, if applicable (in thousands):

		Recorded	Recorded
	Unpaid	Investment	Investment	Total
	Principal	With No	With	Recorded	Related
June 30, 2015	Balance	Allowance	Allowance	Investment	Allowance
Real estate loans:
Mortgages	$ 305	$ 118	$ 152	$ 270	$ 29
Home Equity	63	-	63	63	12
Commercial	8,051	5,469	109	5,578	48
Agricultural	-	-	-	-	-
Construction	-	-	-	-	-
Consumer	-	-	-	-	-
Other commercial loans	2,354	1,164	1,084	2,248	185
Other agricultural loans	-	-	-	-	-
State and political subdivision loans	-	-	-	-	-
Total	$ 10,773	$ 6,751	$ 1,408	$ 8,159	$ 274

December 31, 2014
Real estate loans:
Mortgages	$ 222	$ 125	$ 66	$ 191	$ 13
Home Equity	130	60	65	125	12
Commercial	8,433	5,708	404	6,112	72
Agricultural	-	-	-	-	-
Construction	-	-	-	-	-
Consumer	-	-	-	-	-
Other commercial loans	2,480	2,346	48	2,394	1
Other agricultural loans	-	-	-	-	-
State and political subdivision loans	-	-	-	-	-
Total	$ 11,265	$ 8,239	$ 583	$ 8,822	$ 98

The following tables includes the average balance of impaired financing receivables by class and the income recognized on impaired loans for the three and six month periods ended June 30, 2015 and 2014(in thousands):

	For the Six Months ended
	June 30, 2015			June 30, 2014
			Interest			Interest
	Average	Interest	Income	Average	Interest	Income
	Recorded	Income	Recognized	Recorded	Income	Recognized
	Investment	Recognized	Cash Basis	Investment	Recognized	Cash Basis
Real estate loans:
Mortgages	$ 224	$ 4	$ 5	$ 202	$ 4	$ -
Home Equity	114	2	-	132	2	-
Commercial	5,862	32	-	8,039	44	-
Agricultural	-	-	-	-	-	-
Construction	-	-	-	-	-	-
Consumer	-	-	-	15	-	-
Other commercial loans	2,678	49	3	2,000	46	-
Other agricultural loans	-	-	-	-	-	-
State and political
subdivision loans	-	-	-	-	-	-
Total	$ 8,878	$ 87	$ 8	$ 10,388	$ 96	$ -

	For the Three Months Ended
	June 30, 2015			June 30, 2014
Real estate loans:
Mortgages	$ 259	$ 2	$ 5	$ 200	$ 2	$ -
Home Equity	103	1	-	131	1	-
Commercial	5,700	19	-	7,544	18	-
Agricultural	-	-	-	-	-	-
Construction	-	-	-	-	-	-
Consumer	-	-	-	15	-	-
Other commercial loans	2,629	24	2	2,108	13	-
Other agricultural loans	-	-	-	-	-	-
State and political
subdivision loans	-	-	-	-	-	-
Total	$ 8,691	$ 46	$ 7	$ 9,998	$ 34	$ -

Credit Quality Information

For commercial real estate, agricultural real estate, construction, other commercial, other agricultural and state and political subdivision loans, management uses a nine grade internal risk rating system to monitor credit quality. The first five categories are considered not criticized and are aggregated as “Pass” rated. The criticized rating categories utilized by management generally follow bank regulatory definitions. The definitions of each rating are defined below:

·	Pass (Grades 1-5) – These loans are to customers with credit quality ranging from an acceptable to very high quality and are protected by the current net worth and paying capacity of the obligor or by the value of the underlying collateral.

·	Special Mention (Grade 6) – This loan grade is in accordance with regulatory guidance and includes loans where a potential weakness or risk exists, which could cause a more serious problem if not corrected.

·	Substandard (Grade 7) – This loan grade is in accordance with regulatory guidance and includes loans that have a well-defined weakness based on objective evidence and be characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.

·	Doubtful (Grade 8) – This loan grade is in accordance with regulatory guidance and includes loans that have all the weaknesses inherent in a substandard asset. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances.

·	Loss (Grade 9) – This loan grade is in accordance with regulatory guidance and includes loans that are considered uncollectible, or of such value that continuance as an asset is not warranted.

To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay the loan as agreed, the Company’s loan rating process includes several layers of internal and external oversight. The Company’s loan officers are responsible for the timely and accurate risk rating of the loans in each of their portfolios at origination and on an ongoing basis under the supervision of management. All commercial and agricultural loans are reviewed annually to ensure the appropriateness of the loan grade. In addition, the Company engages an external consultant on at least an annual basis to 1) review a minimum of 55% of the dollar volume of the commercial loan portfolio on an annual basis, 2) review new loans originated for over $1.0 million in the last year, 3) review a majority of borrowers with commitments greater than or equal to $1.0 million, 4) review selected loan relationships over $750,000 which are over 30 days past due, classified Special Mention, Substandard, Doubtful, or Loss, and 5) such other loans which management or the consultant deems appropriate.

The following tables represent credit exposures by internally assigned grades as of June 30, 2015 and December 31, 2014 (in thousands):

June 30, 2015	Pass	Special Mention	Substandard	Doubtful	Loss	Ending Balance
Real estate loans:
Commercial	$ 177,073	$ 4,390	$ 12,220	$ 44	$ -	$ 193,727
Agricultural	27,638	2,600	485	-	-	30,723
Construction	8,025	-	-	-	-	8,025
Other commercial loans	45,715	817	5,443	145	-	52,120
Other agricultural loans	11,989	397	-	-	-	12,386
State and political
subdivision loans	84,730	-	-	-	-	84,730
Total	$ 355,170	$ 8,204	$ 18,148	$ 189	$ -	$ 381,711

December 31, 2014
Real estate loans:
Commercial	$ 169,383	$ 8,948	$ 12,614	$ -	$ -	$ 190,945
Agricultural	19,575	3,394	1,670	-	-	24,639
Construction	6,353	-	-	-	-	6,353
Other commercial loans	40,683	4,413	2,355	-	-	47,451
Other agricultural loans	9,221	727	1,117	-	-	11,065
State and political
subdivision loans	79,717	-	-	-	-	79,717
Total	$ 324,932	$ 17,482	$ 17,756	$ -	$ -	$ 360,170

For residential real estate mortgages, home equity and consumer loans, credit quality is monitored based on whether the loan is performing or non-performing, which is typically based on the aging status of the loan and payment activity, unless a specific action, such as bankruptcy, repossession, death or significant delay in payment occurs to raise awareness of a possible credit event. Non-performing loans include those loans that are considered nonaccrual, described in more detail below and all loans past due 90 or more days and still accruing. The following table presents the recorded investment in those loan classes based on payment activity as of June 30, 2015 and December 31, 2014 (in thousands):

June 30, 2015	Performing	Non-performing	Total
Real estate loans:
Mortgages	$ 119,649	$ 1,160	$ 120,809
Home Equity	60,608	149	60,757
Consumer	8,320	54	8,374
Total	$ 188,577	$ 1,363	$ 189,940

December 31, 2014
Real estate loans:
Mortgages	$ 121,968	$ 890	$ 122,858
Home Equity	62,296	284	62,580
Consumer	8,444	53	8,497
Total	$ 192,708	$ 1,227	$ 193,935

Aging Analysis of Past Due Financing Receivables

Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following table includes an aging analysis of the recorded investment of past due financing receivables as of June 30, 2015 and December 31, 2014 (in thousands):

								90 Days or
		30-59 Days	60-89 Days	90 Days	Total Past		Total Financing	Greater and
June 30, 2015		Past Due	Past Due	Or Greater	Due	Current	Receivables	Accruing
Real estate loans:
Mortgages		$ 502	$ 154	$ 866	$ 1,522	$ 119,287	$ 120,809	$ 380
Home Equity		395	84	136	615	60,142	60,757	80
Commercial		114	524	4,034	4,672	189,055	193,727	104
Agricultural		39	170	-	209	30,514	30,723	-
Construction		-	-	-	-	8,025	8,025	-
Consumer		38	30	12	80	8,294	8,374	1
Other commercial loans		526	56	919	1,501	50,619	52,120	261
Other agricultural loans		-	97	-	97	12,289	12,386	-
State and political subdivision loans		-	-	-	-	84,730	84,730	-
	Total	$ 1,614	$ 1,115	$ 5,967	$ 8,696	$ 562,955	$ 571,651	$ 826
Loans considered non-accrual		$ 524	$ 496	$ 5,141	$ 6,161	$ 406	$ 6,567
Loans still accruing		1,090	619	826	2,535	562,549	565,084
	Total	$ 1,614	$ 1,115	$ 5,967	$ 8,696	$ 562,955	$ 571,651

December 31, 2014
Real estate loans:
Mortgages		$ 318	$ 230	$ 675	$ 1,223	$ 121,635	$ 122,858	$ 214
Home Equity		442	99	260	801	61,779	62,580	132
Commercial		97	231	1,432	1,760	189,185	190,945	310
Agricultural		-	-	-	-	24,639	24,639	-
Construction		-	-	-	-	6,353	6,353	-
Consumer		119	4	7	130	8,367	8,497	6
Other commercial loans		503	258	476	1,237	46,214	47,451	174
Other agricultural loans		-	-	-	-	11,065	11,065	-
State and political subdivision loans		-	-	-	-	79,717	79,717	-
	Total	$ 1,479	$ 822	$ 2,850	$ 5,151	$ 548,954	$ 554,105	$ 836
Loans considered non-accrual		$ 48	$ 181	$ 2,014	$ 2,243	$ 4,356	$ 6,599
Loans still accruing		1,431	641	836	2,908	544,598	547,506
	Total	$ 1,479	$ 822	$ 2,850	$ 5,151	$ 548,954	$ 554,105

Nonaccrual Loans

Loans are considered for non-accrual status upon reaching 90 days delinquency, although the Company may be receiving partial payments of interest and partial repayments of principal on such loans or if full payment of principal and interest is not expected. Additionally, if management is made aware of other information including bankruptcy, repossession, death, or legal proceedings, the loan may be placed on non-accrual status. If a loan is 90 days or more past due and is well secured and in the process of collection, it may still be considered accruing.

The following table reflects the financing receivables on non-accrual status as of June 30, 2015 and December 31, 2014, respectively. The balances are presented by class of financing receivable (in thousands):

	June 30, 2015	December 31, 2014
Real estate loans:
Mortgages	$ 780	$ 676
Home Equity	69	152
Commercial	4,547	5,010
Agricultural	-	-
Construction	-	-
Consumer	53	47
Other commercial loans	1,118	714
Other agricultural loans	-	-
State and political subdivision loans	-	-
	$ 6,567	$ 6,599

Troubled Debt Restructurings

In situations where, for economic or legal reasons related to a borrower's financial difficulties, management may grant a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a Troubled Debt Restructuring (TDR). Management strives to identify borrowers in financial difficulty early and work with them to modify more affordable terms before their loan reaches nonaccrual status. These modified terms may include rate reductions, principal forgiveness, payment forbearance and other actions intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. In cases where borrowers are granted new terms that provide for a reduction of interest or principal, or both, management measures any impairment on the restructuring by calculating the present value of the revised loan terms and comparing this balance to the Company’s investment in the loan prior to the restructuring. As these loans are individually evaluated, they are excluded from pooled portfolios when calculating the allowance for loan and lease losses and a separate allocation within the allowance for loan and lease losses is provided. Management continually evaluates loans that are considered TDRs, including payment history under the modified loan terms, the borrower’s ability to continue to repay the loan based on continued evaluation of their operating results and cash flows from operations. Based on this evaluation management would no longer consider a loan to be a TDR when the relevant facts support such a conclusion. As of June 30, 2015 and December 31, 2014, included within the allowance for loan losses are reserves of $41,000 and $26,000 respectively, that are associated with loans modified as TDRs.

Loan modifications that are considered TDRs completed during the three and six months ended June 30, 2015 and 2014 were as follows (dollars in thousands):

	For the Three Months Ended June 30, 2015
	Number of contracts		Pre-modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
	Interest Modification	Term Modification	Interest Modification	Term Modification	Interest Modification	Term Modification
Real estate loans:
Mortgages	-	1	$ -	$ 19	$ -	$ 19
Total	-	1	$ -	$ 19	$ -	$ 19

	For the Six Months Ended June 30, 2015
	Number of contracts		Pre-modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
	Interest Modification	Term Modification	Interest Modification	Term Modification	Interest Modification	Term Modification
Real estate loans:
Mortgages	1	1	$ 71	$ 19	$ 71	$ 19
Total	1	1	$ 71	$ 19	$ 71	$ 19

	For the Three Months Ended June 30, 2014
	Number of contracts		Pre-modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
	Interest Modification	Term Modification	Interest Modification	Term Modification	Interest Modification	Term Modification
Real estate loans:
Commercial	-	1	$ -	$ 28	$ -	$ 28
Total	-	1	$ -	$ 28	$ -	$ 28

	For the Six Months Ended June 30, 2014
	Number of contracts		Pre-modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
	Interest Modification	Term Modification	Interest Modification	Term Modification	Interest Modification	Term Modification
Real estate loans:
Commercial	-	2	$ -	$ 153	$ -	$ 153
Total	-	2	$ -	$ 153	$ -	$ 153

Recidivism, or the borrower defaulting on its obligation pursuant to a modified loan, results in the loan once again becoming a non-accrual loan. Recidivism occurs at a notably higher rate than do defaults on new origination loans, so modified loans present a higher risk of loss than do new origination loans. The following table presents the recorded investment in loans that were modified as TDRs during each 12-month period prior to the current reporting periods, which begin January 1, 2015 and 2014 (six month periods) and April 1, 2015 and 2014 (3 month periods), respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):

	For the Three Months Ended				For the Six Months Ended
	June 30, 2015		June 30, 2014		June 30, 2015		June 30, 2014
	Number of contracts	Recorded investment	Number of contracts	Recorded investment	Number of contracts	Recorded investment	Number of contracts	Recorded investment
Real estate loans:
Commercial	-	$ -	-	$ -	-	$ -	1	$ 483
Total recidivism	-	$ -	-	$ -	-	$ -	1	$ 483

Allowance for Loan Losses

The following table segregates the allowance for loan losses (ALLL) into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of June 30,2015 and December 31, 2014, respectively (in thousands):

	June 30, 2015			December 31, 2014
	Individually evaluated for impairment	Collectively evaluated for impairment	Total	Individually evaluated for impairment	Collectively evaluated for impairment	Total
Real estate loans:
Residential	$ 41	$ 890	$ 931	$ 25	$ 853	$ 878
Commercial and agricultural	48	3,631	3,679	72	3,798	3,870
Construction	-	14	14	-	26	26
Consumer	-	89	89	-	84	84
Other commercial and agricultural loans	185	1,317	1,502	1	1,223	1,224
State and political subdivision loans	-	568	568	-	545	545
Unallocated	-	176	176	-	188	188
Total	$ 274	$ 6,685	$ 6,959	$ 98	$ 6,717	$ 6,815

The following tables roll forward the balance of the ALLL by portfolio segment for the three and six month periods ended June 30, 2015 and 2014, respectively (in thousands):

	Balance at March 31, 2015	Charge-offs	Recoveries	Provision	Balance at June 30, 2015
Real estate loans:
Residential	$ 923	$ (17)	$ -	$ 25	$ 931
Commercial and agricultural	3,699	(56)	3	33	3,679
Construction	11	-	-	3	14
Consumer	82	(17)	4	20	89
Other commercial and agricultural loans	1,286	-	-	216	1,502
State and political subdivision loans	572	-	-	(4)	568
Unallocated	349	-	-	(173)	176
Total	$ 6,922	$ (90)	$ 7	$ 120	$ 6,959

	Balance at December 31, 2014	Charge-offs	Recoveries	Provision	Balance at June 30, 2015
Real estate loans:
Residential	$ 878	$ (34)	$ -	$ 87	$ 931
Commercial and agricultural	3,870	(56)	7	(142)	3,679
Construction	26	-	-	(12)	14
Consumer	84	(24)	12	17	89
Other commercial and agricultural loans	1,224	(1)	-	279	1,502
State and political subdivision loans	545	-	-	23	568
Unallocated	188	-	-	(12)	176
Total	$ 6,815	$ (115)	$ 19	$ 240	$ 6,959

	Balance at March 31, 2014	Charge-offs	Recoveries	Provision	Balance at June 30, 2014
Real estate loans:
Residential	$ 886	$ (7)	$ -	$ -	$ 879
Commercial and agricultural	4,530	(465)	3	(259)	3,809
Construction	8	-	-	5	13
Consumer	83	(6)	6	3	86
Commercial and other loans	1,173	(163)	-	141	1,151
State and political subdivision loans	396	-	-	59	455
Unallocated	157	-	-	201	358
Total	$ 7,233	$ (641)	$ 9	$ 150	$ 6,751

	Balance at December 31, 2013	Charge-offs	Recoveries	Provision	Balance at June 30, 2014
Real estate loans:
Residential	$ 946	$ (45)	$ -	$ (22)	$ 879
Commercial and agricultural	4,558	(475)	5	(279)	3,809
Construction	50	-	-	(37)	13
Consumer	105	(14)	15	(20)	86
Commercial and other loans	942	(163)	-	372	1,151
State and political subdivision loans	330	-	-	125	455
Unallocated	167	-	-	191	358
Total	$ 7,098	$ (697)	$ 20	$ 330	$ 6,751

The Company allocates the ALLL based on the factors described below, which conform to the Company’s loan classification policy and credit quality measurements. In reviewing risk within the Company’s loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The ALLL consists of amounts applicable to: (i) residential real estate loans; (ii) residential real estate home equity loans; (iii) commercial real estate loans; (iv) agricultural real estate loans; (v) real estate construction loans; (vi) other commercial and agricultural loans; (vii) consumer loans; (viii) other agricultural loans and (ix) state and political subdivision loans. Factors considered in this process include general loan terms, collateral, and availability of historical data to support the analysis. Historical loss percentages are calculated and used as the basis for calculating allowance allocations. Certain qualitative factors are evaluated to determine additional inherent risks in the loan portfolio, which are not necessarily reflected in the historical loss percentages. These factors are then added to the historical allocation percentage to get the adjusted factor to be applied to non-classified loans. The following qualitative factors are analyzed:

·	Level of and trends in delinquencies, impaired/classified loans

Change in volume and severity of past due loans

Volume of non-accrual loans

Volume and severity of classified, adversely or graded loans;

·	Level of and trends in charge-offs and recoveries;

·	Trends in volume, terms and nature of the loan portfolio;

·	Effects of any changes in risk selection and underwriting standards and any other changes in lending and recovery policies, procedures and practices;

·	Changes in the quality of the Company’s loan review system;

·	Experience, ability and depth of lending management and other relevant staff;

·	National, state, regional and local economic trends and business conditions

General economic conditions

Unemployment rates

Inflation rate/ Consumer Price Index

Changes in values of underlying collateral for collateral-dependent loans;

·	Industry conditions including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses; and

·	Existence and effect of any credit concentrations, and changes in the level of such concentrations; and

·	Any change in the level of board oversight.

The Company also maintains an unallocated allowance to account for any factors or conditions that may cause a potential loss but are not specifically addressed in the process described above. The Company analyzes its loan portfolio each quarter to determine the appropriateness of its ALLL.

Loans determined to be TDRs are impaired and for purposes of estimating the ALLL must be individually evaluated for impairment. In calculating the impairment, the Company calculates the present value utilizing an analysis of discounted cash flows. If the present value calculated is below the recorded investment of the loan, impairment is recognized by a charge to the provision for loan and lease losses and a credit to the ALLL.

We continually review the model utilized in calculating the required ALLL. The following qualitative factors experienced changes during the first six months of 2015:

·	The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all loan categories due to an increase in the unemployment rates in the local economy during the first six months of 2015.

·	The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the amount of loans classified as substandard.

·	The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial and agricultural loans due to an increase in the amount of loans classified as substandard.

The qualitative factor for levels of and trends in charge-offs and recoveries was decreased for commercial and agricultural real estate and other commercial and agricultural loans due to the decrease in charge-offs compared to the prior year as charge-offs returned to historical levels for the Bank.

The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for commercial real estate, agricultural real estate, other commercial and other agricultural loans due to the length of time employees involved throughout the loan process have been in their positions.

The qualitative factor for industry conditions, including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses was increased for commercial and agricultural related loans due to the decrease in the price received for product sold and the increase in feed costs that has occurred in 2015, which negatively affected customer earnings.

·	The qualitative factor for levels of and trends in charge-offs and recoveries was increased for residential real estate loans due to the increase in charge-offs compared to historical norms for the Company.

·	The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was increased for residential mortgages due to increases in the amount of delinquent loans.

The following qualitative factors experienced changes during the three months ended June 30, 2015:

·	The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the amount of loans classified as substandard.

·	The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial and agricultural loans due to an increase in the amount of loans classified as substandard.

The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for all commercial real estate, agricultural real estate, other commercial and other agricultural loans due to the length of time employees involved throughout the loan process have been in their positions.

The primary factor that resulted in negative provision for commercial and agricultural loans for the six month period ended June 30, 2015 was the reduction in the amount of special mention and substandard loans since December 31, 2014.

The following qualitative factors experienced changes during the first six months of 2014:

·	The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for all loan categories due to a decrease in the unemployment rates in the local economy.

·	The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the Company’s classified loans to its lowest level in three years.

·	The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial and agricultural loans due to an increase in classified loans during the quarter.

·	The qualitative factor for levels of and trends in charge-offs and recoveries was increased for commercial and agricultural real estate and other commercial and agricultural loans due to the increase in charge-offs compared to historical norms for the Bank.

·	The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for all loan categories due to the length of time employees involved throughout the loan process have been in their positions.

The following qualitative factors experienced changes during the three months ended June 30, 2014:

·	The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for all loan categories due to a decrease in the unemployment rates in the local economy.

·	The qualitative factor for levels of and trends in charge-offs and recoveries was increased for commercial and agricultural real estate and other commercial and agricultural loans due to the increase in charge-offs compared to historical norms for the Bank.

·	The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for all loan categories due to the length of time employees involved throughout the loan process have been in their positions.

·	The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the Company’s classified loans.

·	The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial and agricultural loans due to an increase in classified loans during the quarter.

The primary factor that resulted in negative provisions for certain portfolio segments for the three and six month periods ended June 30, 2014 was due to decreases in the outstanding balances for certain portfolio segments compared to December 31, 2013, a reduction in the amount of substandard loans and the decrease in the qualitative factor associated with the improvement in unemployment rates noted above.

Foreclosed Assets Held For Sale

Foreclosed assets acquired in settlement of loans are carried at fair value, less estimated costs to sell, and are included in other assets on the Consolidated Balance Sheet. As of June 30, 2015 and December 31, 2014 included with other assets are $1,815,000 and 1,792,000, respectively, of foreclosed assets. As of June 30, 2015, included within the foreclosed assets is $422,000 of consumer residential mortgages that were foreclosed on or received via a deed in lieu transaction prior to the period end. As of June 30, 2015, the Company has initiated formal foreclosure proceeds on $1,329,000 of consumer residential mortgages, which have not yet been transferred into foreclosed assets.

Note 6 – Federal Home Loan Bank Stock

The Bank is a member of the FHLB of Pittsburgh and, as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. As of June 30, 2015 and December 31, 2014, the Bank’s investment in FHLB stock was $1,590,000 and $1,761,000, respectively. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated by management. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) a significant decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) the impact of legislative and regulatory changes on the customer base of the FHLB and (d) the liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein. Management considered that the FHLB’s regulatory capital ratios have improved, liquidity appears adequate, new shares of FHLB stock continue to exchange hands at the $100 par value and the FHLB has repurchased shares of excess capital stock from its members and has paid a quarterly cash dividend.

Note 7 - Employee Benefit Plans

For additional detailed disclosure on the Company's pension and employee benefits plans, please refer to Note 11 of the Company's Consolidated Financial Statements included in the 2014 Annual Report on Form 10-K.

Noncontributory Defined Benefit Pension Plan

The Bank sponsors a noncontributory defined benefit pension plan (“Pension Plan”) covering substantially all employees and officers that were hired prior to January 1, 2007. The Bank’s funding policy is to make annual contributions, if needed, based upon the funding formula developed by the plan’s actuary. Any employee with a hire date of January 1, 2007 or later is not eligible to participate in the Pension Plan. In lieu of the Pension Plan, employees with a hire date of January 1, 2007 or later are eligible to receive, after meeting certain length of service requirements, an annual discretionary 401(k) plan contribution from the Bank equal to a percentage of an employee’s base compensation. The contribution amount, if any, is placed in a separate account within the 401(k) plan and is subject to a vesting requirement.

For employees who are eligible to participate in the Pension Plan, the Pension Plan requires benefits to be paid to eligible employees based primarily upon age and compensation rates during employment. Upon retirement or other termination of employment, employees can elect either an annuity benefit or a lump sum distribution of vested benefits in the Pension Plan.

The following sets forth the components of net periodic benefit costs of the Pension Plan for the three and six months ended June 30, 2015 and 2014, respectively (in thousands):

	Three Months Ended		Six Months Ended
	June 30,		June 30,
	2015	2014	2015	2014
Service cost	$ 78	$ 63	$ 132	$ 153
Interest cost	90	111	153	207
Expected return on plan assets	(172)	(215)	(290)	(393)
Net amortization and deferral	45	(43)	76	25
Net periodic cost (benefit)	$ 41	$ (84)	$ 71	$ (8)

The Company expects to contribute $400,000 to the Pension Plan in 2015.

Defined Contribution Plan

The Company sponsors a voluntary 401(k) savings plan which eligible employees can elect to contribute up to the maximum amount allowable not to exceed the limits of IRS Code Sections 401(k). Under the plan, the Company also makes required contributions on behalf of the eligible employees. The Company’s contributions vest immediately. Contributions by the Company totaled $155,000 and $146,000 for the six months ended June 30, 2015 and 2014, respectively. For the three months ended June 30, 2015 and 2014, contributions by the Company totaled $93,000 and $88,000, respectively.

Directors’ Deferred Compensation Plan

The Company’s directors may elect to defer all or portions of their fees until their retirement or termination from service. Amounts deferred under the plan earn interest based upon the highest current rate offered to certificate of deposit customers. Amounts deferred under the plan are not guaranteed and represent a general liability of the Company. At June 30, 2015 and December 31, 2014, an obligation of $945,000 and $969,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet. Amounts included in interest expense on the deferred amounts totaled $5,000 and $6,000 for each of the three months ended June 30, 2015 and 2014. For the six months ended June 30, 2015 and 2014, amounts included in interest expense on the deferred amounts totaled $12,000 and $11,000, respectively.

Restricted Stock Plan

The Company maintains a Restricted Stock Plan (the “Plan”) whereby employees and non-employee corporate directors are eligible to receive awards of restricted stock based upon performance related requirements. Awards granted under the Plan are in the form of the Company’s common stock and are subject to certain vesting requirements including continuous employment or service with the Company. A total of 100,000 shares of the Company’s common stock have been authorized under the Plan, which terminates in April 2016. As of June 30, 2015, 60,662 shares remain available to be issued under the Plan. The Plan assists the Company in attracting, retaining and motivating employees to make substantial contributions to the success of the Company and to increase the emphasis on the use of equity as a key component of compensation.

The following table details the vesting, awarding and forfeiting of restricted shares during 2015 and 2014:

	Three months ended June 30,				Six months ended June 30,
	2015		2014		2015		2014
		Weighted		Weighted		Weighted		Weighted
	Unvested	Average	Unvested	Average	Unvested	Average	Unvested	Average
	Shares	Market Price	Shares	Market Price	Shares	Market Price	Shares	Market Price
Outstanding, beginning of period	6,998	$ 48.61	6,240	$ 43.55	6,971	$ 48.55	7,172	$ 42.02
Granted	3,340	49.87	3,206	53.10	3,496	50.02	3,598	52.82
Forfeited	-	-	-	-	-	-	-	-
Vested	(3,320)	45.62	(2,259)	42.06	(3,449)	45.80	(3,583)	40.30
Outstanding, end of period	7,018	$ 50.63	7,187	$ 48.28	7,018	$ 50.63	7,187	$ 48.28

Compensation cost related to restricted stock is recognized based on the market price of the stock at the grant date over the vesting period. Compensation expense related to restricted stock was $85,000 and $73,000 for the six months ended June 30, 2015 and 2014, respectively. For the three months ended June 30, 2015 and 2014, compensation expense totaled $43,000 and $37,000, respectively. At June 30, 2015 the total compensation cost related to nonvested awards that has not yet been recognized was $355,000, which is expected to be recognized over the next 2.83 years.

Supplemental Executive Retirement Plan

The Company maintains a non-qualified supplemental executive retirement plan (“SERP”) for certain executives to compensate those executive participants in the Company’s noncontributory defined benefit pension plan whose benefits are limited by compensation limitations under current tax law. At June 30, 2015 and December 31, 2014, an obligation of $1,269,000 and $1,198,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet. Expenses related to this plan totaled $71,000 and $76,000 for the six months ended June 30, 2015 and 2014, respectively. For the three months ended June 30, 2015 and 2014, expenses totaled $36,000 and $38,000, respectively.

Note 8 – Accumulated Comprehensive Income

The following tables present the changes in accumulated other comprehensive income by component net of tax for the three and six months ended June 30, 2015 and 2014 (in thousands):

	Three months ended June 30, 2015
	Unrealized gain (loss) on available for sale securities (a)	Defined Benefit Pension Items (a)	Total
Balance as of March 31, 2015	$ 3,897	$ (2,294)	$ 1,603
Other comprehensive income (loss) before reclassifications (net of tax)	(1,351)	-	(1,351)
Amounts reclassified from accumulated other
comprehensive income (net of tax)	(116)	35	(81)
Net current period other comprehensive income (loss)	(1,467)	35	(1,432)
Balance as of June 30, 2015	$ 2,430	$ (2,259)	$ 171

	Six months ended June 30, 2015
	Unrealized gain (loss) on available for sale securities (a)	Defined Benefit Pension Items (a)	Total
Balance as of December 31, 2014	$ 3,093	$ (2,326)	$ 767
Other comprehensive income (loss) before reclassifications (net of tax)	(464)	-	(464)
Amounts reclassified from accumulated other
comprehensive income (net of tax)	(199)	67	(132)
Net current period other comprehensive income (loss)	(663)	67	(596)
Balance as of June 30, 2015	$ 2,430	$ (2,259)	$ 171

	Three months ended June 30, 2014
	Unrealized gain (loss) on available for sale securities (a)	Defined Benefit Pension Items (a)	Total
Balance as of March 31, 2014	$ 1,264	$ (1,110)	$ 154
Other comprehensive income (loss) before reclassifications (net of tax)	986	-	986
Amounts reclassified from accumulated other
comprehensive income (net of tax)	(49)	9	(40)
Net current period other comprehensive income (loss)	937	9	946
Balance as of June 30, 2014	$ 2,201	$ (1,101)	$ 1,100

	Six months ended June 30, 2014
	Unrealized gain (loss) on available for sale securities (a)	Defined Benefit Pension Items (a)	Total
Balance as of December 31, 2013	$ (108)	$ (1,117)	$ (1,225)
Other comprehensive income (loss) before reclassifications (net of tax)	2,471	-	2,471
Amounts reclassified from accumulated other
comprehensive income (net of tax)	(162)	16	(146)
Net current period other comprehensive income (loss)	2,309	16	2,325
Balance as of June 30, 2014	$ 2,201	$ (1,101)	$ 1,100

(a) Amounts in parentheses indicate debits to the Consolidated Balance Sheet

The following table presents the significant amounts reclassified out of each component of accumulated other comprehensive income for the three and six months ended June 30, 2015 and 2014 (in thousands):

Details about accumulated other comprehensive income	Amount reclassified from accumulated comprehensive income (a)		Affected line item in the statement where net Income is presented
	Three Months Ended June 30,
	2015	2014
Unrealized gains and losses on available for sale securities
	$ 175	$ 75	Investment securities gains, net
	(59)	(26)	Provision for income taxes
	$ 116	$ 49	Net of tax
Defined benefit pension items
	$ (54)	$ (13)	Salaries and employee benefits
	19	4	Provision for income taxes
	$ (35)	$ (9)	Net of tax

Total reclassifications	$ 81	$ 40

	Six Months Ended June 30,
	2015	2014
Unrealized gains and losses on available for sale securities
	$ 301	$ 246	Investment securities gains, net
	(102)	(84)	Provision for income taxes
	$ 199	$ 162	Net of tax
Defined benefit pension items
	$ (102)	$ (25)	Salaries and employee benefits
	35	9	Provision for income taxes
	$ (67)	$ (16)	Net of tax

Total reclassifications	$ 132	$ 146

(a) Amounts in parentheses indicate expenses and other amounts indicate income on the Consolidated Statement of Income

Note 9 – Fair Value Measurements

The Company established a hierarchal disclosure framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined by this hierarchy are as follows:

Level I:

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

Level II:

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


Level III:	Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.

A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below.

In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality, the Company's creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. Our valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Transfers between levels of the fair value hierarchy are recognized on the actual date of the event or circumstances that caused the transfer, which generally coincides with the Company’s monthly and/or quarterly valuation process.

Financial Instruments Recorded at Fair Value on a Recurring Basis

The fair values of securities available for sale are determined by quoted prices in active markets, when available, and classified as Level I. If quoted market prices are not available, the fair value is determined by a matrix pricing, which is a mathematical technique, widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities and classified as Level II. The fair values consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things.

The following tables present the assets and liabilities reported on the Consolidated Balance Sheet at their fair value on a recurring basis as of June 30, 2015 and December 31, 2014 by level within the fair value hierarchy (in thousands). Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.

June 30, 2015	Level I	Level II	Level III	Total
Assets
Securities available for sale:
U.S. Agency securities	$ -	$ 167,580	$ -	$ 167,580
Obligations of state and
political subdivisions	-	96,282	-	96,282
Corporate obligations	-	12,805	-	12,805
Mortgage-backed securities in
government sponsored entities	-	26,350	-	26,350
Equity securities in financial
institutions	1,775	-	-	1,775

December 31, 2014	Level I	Level II	Level III	Total
Securities available for sale:
U.S. agency securities	$ -	$ 150,885	$ -	$ 150,885
U.S. treasuries securities	-	4,849	-	4,849
Obligations of state and
political subdivisions	-	105,036	-	105,036
Corporate obligations	-	13,958	-	13,958
Mortgage-backed securities in
government sponsored entities	-	29,728	-	29,728
Equity securities in financial
institutions	1,690	-	-	1,690

Financial Instruments, Non-Financial Assets and Non-Financial Liabilities Recorded at Fair Value on a Nonrecurring Basis

The Company may be required, from time to time, to measure certain financial assets, financial liabilities, non-financial assets and non-financial liabilities at fair value on a nonrecurring basis in accordance with U.S. generally accepted accounting principles. These include assets that are measured at the lower of cost or market value that were recognized at fair value below cost at the end of the period. Certain non-financial assets measured at fair value on a non-recurring basis include foreclosed assets (upon initial recognition or subsequent impairment).

Non-financial assets measured at fair value on a non-recurring basis during 2015 and 2014 include certain foreclosed assets which, upon initial recognition, were remeasured and reported at fair value through a charge-off to the allowance for possible loan losses and certain foreclosed assets which, subsequent to their initial recognition, were remeasured at fair value through a write-down included in other non-interest expense.

Impaired Loans - Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment using one of several methods, including collateral value, liquidation value and discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. Collateral values are estimated using Level II inputs based on observable market data and Level III inputs based on customized discounting criteria. For a majority of impaired real estate related loans, the Company obtains a current external appraisal. Other valuation techniques are used as well, including internal valuations, comparable property analysis and contractual sales information.

Other Real Estate owned – Other real estate owned, which is obtained through the Bank’s foreclosure process, is valued utilizing the appraised collateral value. Collateral values are estimated using Level II inputs based on observable market data and Level III inputs based on customized discounting criteria. At the time the foreclosure is completed, the Company obtains an updated external appraisal.

Assets measured at fair value on a nonrecurring basis as of June 30, 2015 and December 31, 2014 are included in the table below (in thousands):

June 30, 2015	Level I	Level II	Level III	Total
Impaired Loans	$ -	$ -	$ 7,885	$ 7,885
Other real estate owned	-	-	1,815	1,815

December 31, 2014
Impaired Loans	$ -	$ -	$ 8,724	$ 8,724
Other real estate owned	-	-	1,792	1,792

The following table provides a listing of the significant unobservable inputs used in the fair value measurement process for items valued utilizing level III techniques.

Quantitative Information about Level 3 Fair Value Measurements
June 30, 2015	Fair Value	Valuation Technique(s)	Unobservable input	Range	Weighted average

Impaired Loans	$ 206	Discounted Cash Flows	Change in interest rates	0-5.5%	3.21%

	7,679	Appraised Collateral Values	Discount for time since appraisal	0-30%	17.09%
			Selling costs	5%-10%	9.28%
			Holding period	0 - 18 months	12 months

Other real estate owned	1,815	Appraised Collateral Values	Discount for time since appraisal	0-20%	20%
			Selling costs	4%-10%	9%
			Holding period	0 - 18 months	12

December 31, 2014	Fair Value	Valuation Technique(s)	Unobservable input	Range
Impaired Loans	$ 230	Discounted Cash Flows	Change in interest rates	0-5.5%	1.99%

	8,494	Appraised Collateral Values	Discount for time since appraisal	0-30%	22.00%
			Selling costs	4%-10%	8.55%
			Holding period	0 - 18 months	15 months

Other real estate owned	1,792	Appraised Collateral Values	Discount for time since appraisal	0-20%	20%
			Selling costs	4%-10%	9%
			Holding period	0 - 18 months	12

The fair values of the Company’s financial instruments are as follows (in thousands):

	Carrying
June 30, 2015	Amount	Fair Value	Level I	Level II	Level III
Financial assets:
Cash and due from banks	$ 10,912	$ 10,912	$ 10,912	$ -	$ -
Interest bearing time deposits with other banks	5,960	5,969			5,969
Available-for-sale securities	304,792	304,792	1,775	303,017
Loans held for sale	1,152	1,152	1,152
Net loans	564,692	580,732	-	-	580,732
Bank owned life insurance	20,615	20,615	20,615	-	-
Regulatory stock	1,864	1,864	1,864	-	-
Accrued interest receivable	3,584	3,584	3,584	-	-

Financial liabilities:
Deposits	$ 791,887	$ 792,477	$ 544,830	$ -	$ 247,647
Borrowed funds	39,194	36,080	6,287	-	29,793
Accrued interest payable	674	674	674	-	-

	Carrying
December 31, 2014	Amount	Fair Value	Level I	Level II	Level III
Financial assets:
Cash and due from banks	$ 11,423	$ 11,423	$ 11,423	$ -	$ -
Interest bearing time deposits with other banks	5,960	5,969	-	-	5,969
Available-for-sale securities	306,146	306,146	1,690	304,456	-
Loans held for sale	497	497	497
Net loans	547,290	564,944	-	-	564,944
Bank owned life insurance	20,309	20,309	20,309	-	-
Regulatory stock	2,035	2,035	2,035	-	-
Accrued interest receivable	3,644	3,644	3,644	-	-

Financial liabilities:
Deposits	$ 773,933	$ 774,387	$ 525,166	$ -	$ 249,221
Borrowed funds	41,799	38,219	16,593	-	21,626
Accrued interest payable	756	756	756	-	-

Fair value is determined based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions can significantly affect the estimates.

Fair values have been determined by the Company using historical data, as generally provided in the Company’s regulatory reports, and an estimation methodology suitable for each category of financial instruments. The Company’s fair value estimates, methods and assumptions are set forth below for the Company’s other financial instruments.

Cash and Cash Equivalents:

The carrying amounts for cash and cash equivalents approximate fair value because they have original maturities of 90 days or less and do not present unanticipated credit concerns.

Accrued Interest Receivable and Payable:

The carrying amounts for accrued interest receivable and payable approximate fair value because they are generally received or paid in 90 days or less and do not present unanticipated credit concerns.

Interest bearing time deposits with other banks:

The fair value of interest bearing time deposits with other banks is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.

Available-For-Sale Securities:

Loans held for sale:

The carrying amount for loans held for sale approximates fair value as the loans are only held for less than a week from origination.

Loans:

Fair values are estimated for portfolios of loans with similar financial characteristics. The fair value of performing loans has been estimated by discounting expected future cash flows. The discount rate used in these calculations is derived from the Treasury yield curve adjusted for credit quality, operating expense and prepayment option price, and is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risk inherent in the loan. The estimate of maturity is based on the Company’s historical experience with repayments for each loan classification, modified as required by an estimate of the effect of current economic and lending conditions.

Bank Owned Life Insurance:

The carrying value of bank owned life insurance approximates fair value based on applicable redemption provisions.

Regulatory Stock:

The carrying value of regulatory stock approximates fair value based on applicable redemption provisions.

Deposits:

The fair value of deposits with no stated maturity, such as noninterest-bearing demand deposits, savings and NOW accounts, and money market accounts, is equal to the amount payable on demand. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.

The deposits’ fair value estimates do not include the benefit that results from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market, commonly referred to as the core deposit intangible.

Borrowed Funds:

Rates available to the Company for borrowed funds with similar terms and remaining maturities are used to estimate the fair value of borrowed funds.

Note 10 – Recent Accounting Pronouncements

In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (a new revenue recognition standard). The Update’s core principle is that a company will recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. In addition, this update specifies the accounting for certain costs to obtain or fulfill a contract with a customer and expands disclosure requirements for revenue recognition. This Update is effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. The Company is evaluating the effect of adopting this new accounting Update.

In June 2014, the FASB issued ASU 2014-11, Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures. The amendments in this Update change the accounting for repurchase-to-maturity transactions to secured borrowing accounting. For repurchase financing arrangements, the amendments require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty, which will result in secured borrowing accounting for the repurchase agreement. The amendments also require enhanced disclosures. The accounting changes in this Update are effective for the first interim or annual period beginning after December 15, 2014. An entity is required to present changes in accounting for transactions outstanding on the effective date as a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption. Earlier application is prohibited. The disclosure for certain transactions accounted for as a sale is required to be presented for interim and annual periods beginning after December 15, 2014, and the disclosure for repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions accounted for as secured borrowings is required to be presented for annual periods beginning after December 15, 2014, and for interim periods beginning after March 15, 2015. The disclosures are not required to be presented for comparative periods before the effective date. This Update did not have a significant impact on the Company’s financial statements.

In August 2014, the FASB issued ASU 2014-15, Presentation of Financial Statements -Going Concern (Subtopic 205-40). The amendments in this Update provide guidance in accounting principles generally accepted in the United States of America about management's responsibility to evaluate whether there is substantial doubt about an entity's ability to continue as a going concern and to provide related footnote disclosures. The amendments in this Update are effective for the annual period ending after December 15, 2016, and for annual periods and interim periods thereafter. Early application is permitted. This Update is not expected to have a significant impact on the Company’s financial statements.

In November 2014, the FASB issued ASU 2014-17, Business Combinations (Topic 805): Pushdown Accounting. The amendments in this Update apply to the separate financial statements of an acquired entity and its subsidiaries that are a business or nonprofit activity (either public or nonpublic) upon the occurrence of an event in which an acquirer (an individual or an entity) obtains control of the acquired entity. An acquired entity may elect the option to apply pushdown accounting in the reporting period in which the change-in-control event occurs. If pushdown accounting is not applied in the reporting period in which the change-in-control event occurs, an acquired entity will have the option to elect to apply pushdown accounting in a subsequent reporting period to the acquired entity's most recent change-in-control event. The amendments in this Update are effective on November 18, 2014. After the effective date, an acquired entity can make an election to apply the guidance to future change-in-control events or to its most recent change-in-control event. This Update did not have a significant impact on the Company’s financial statements.

In February 2015, the FASB issued ASU 2015-02, Consolidation (Topic 810). The amendments in this Update affect reporting entities that are required to evaluate whether they should consolidate certain legal entities. All legal entities are subject to reevaluation under the revised consolidation model. Specifically, the amendments (1) Modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (VIEs) or voting interest entities; (2) Eliminate the presumption that a general partner should consolidate a limited partnership; (3) Affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships; (4) Provide a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements that are similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds. The amendments in this Update are effective for public business entities for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015. For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2016, and for interim periods within fiscal years beginning after December 15, 2017. This Update is not expected to have a significant impact on the Company’s financial statements.

In April 2015, the FASB issued ASU 2015-03, Interest-Imputation of Interest (Subtopic 835-30), as part of its initiative to reduce complexity in accounting standards. To simplify presentation of debt issuance costs, the amendments in this Update require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this Update. For public business entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within fiscal years beginning after December 15, 2016. An entity should apply the new guidance on a retrospective basis, wherein the balance sheet of each individual period presented should be adjusted to reflect the period-specific effects of applying the new guidance. This Update is not expected to have a significant impact on the Company’s financial statements.

In May 2015, the FASB issued ASU 2015-08, Business Combinations - Pushdown Accounting - Amendment to SEC Paragraphs Pursuant to Staff Accounting Bulletin No. 115. This ASU was issued to amend various SEC paragraphs pursuant to the issuance of Staff Accounting Bulletin No. 115. This Update is not expected to have a significant impact on the Company’s financial statements.

In June 2015, the FASB issued ASU 2015-10, Technical Corrections and Improvements. The amendments in this Update represent changes to clarify the Codification, correct unintended application of guidance, or make minor improvements to the Codification that are not expected to have a significant effect on current accounting practice or create a significant administrative cost to most entities. Transition guidance varies based on the amendments in this Update. The amendments in this Update that require transition guidance are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted, including adoption in an interim period. All other amendments will be effective upon the issuance of this Update. This Update is not expected to have a significant impact on the Company’s financial statements.

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

Forward-Looking Statements

We have made forward-looking statements in this document, and in documents that we incorporate by reference, that are subject to risks and uncertainties. Forward-looking statements include information concerning possible or assumed future results of operations of Citizens Financial Services, Inc., First Citizens Community Bank, First Citizens Insurance Agency, Inc. or the combined Company. When we use words such as “believes,” “expects,” “anticipates,” or similar expressions, we are making forward-looking statements. For a variety of reasons, actual results could differ materially from those contained in or implied by forward-looking statements. The Company cautions readers that the following important factors, among others, could in the future affect the Company’s actual results and could cause the Company’s actual results for subsequent periods to differ materially from those expressed in any forward-looking statement:

·	Interest rates could change more rapidly or more significantly than we expect.

·	The economy could change significantly in an unexpected way, which would cause the demand for new loans and the ability of borrowers to repay outstanding loans to change in ways that our models do not anticipate.

·	The financial markets could suffer a significant disruption, which may have a negative effect on our financial condition and that of our borrowers, and on our ability to raise money by issuing new securities.

·	It could take us longer than we anticipate implementing strategic initiatives designed to increase revenues or manage expenses, or we may be unable to implement those initiatives at all.

·	Acquisitions and dispositions of assets could affect us in ways that management has not anticipated.

·	We may become subject to new legal obligations or the resolution of litigation may have a negative effect on our financial condition or operating results.

·	We may become subject to new and unanticipated accounting, tax, or regulatory practices or requirements.

·	We could experience greater loan delinquencies than anticipated, adversely affecting our earnings and financial condition.

·	We could also experience greater losses than expected due to the ever increasing volume of information theft and fraudulent scams impacting our customers and the banking industry.

·	We could lose the services of some or all of our key personnel, which would negatively impact our business because of their business development skills, financial expertise, lending experience, technical expertise and market area knowledge.

·	The agricultural economy is subject to extreme swings in both the costs of resources and the prices received from the sale of products, which could negatively impact our customers.

Exploration and drilling of the natural gas reserves in our market area may be affected by federal, state and local laws and regulations such as restrictions on production, permitting, changes in taxes and environmental protection, which could negatively impact our customers and, as a result, negatively impact our loan and deposit volume and loan quality.

·	Similarly, customers dependent on the exploration and drilling of the natural gas reserves may be dependent on the market price of natural gas. As a result, decreases in the market price of natural gas could also negatively impact our customers.

Additional factors that may affect our results are discussed under “Part II – Item 1A – Risk Factors” in this report and in the Company’s 2014 Annual Report on Form 10-K under “Item 1.A/ Risk Factors.” Except as required by applicable law and regulation, we assume no obligation to update or revise any forward-looking statements after the date on which they are made.

Introduction

The following is management's discussion and analysis of the financial condition and results of operations presented in the accompanying consolidated financial statements for the Company. Our Company's consolidated financial condition and results of operations consist almost entirely of the Bank’s financial condition and results of operations. Management’s discussion and analysis should be read in conjunction with the preceding financial statements presented under Part I. The results of operations for the three and six months ended June 30, 2015 are not necessarily indicative of the results you may expect for the full year.

The Company currently engages in the general business of banking throughout our service area of Clinton, Potter, Tioga and Bradford counties in North Central Pennsylvania and Allegany, Steuben, Chemung and Tioga counties in Southern New York. We maintain our main office in Mansfield, Pennsylvania. Presently we operate 20 banking facilities, 18 of which operate as bank branches. In Pennsylvania, we have branch offices located in Mansfield, Blossburg, Ulysses, Genesee, Wellsboro, Troy, Sayre, Canton, Gillett, Millerton, LeRaysville, Towanda, Rome, the Wellsboro Weis Market store, the Mansfield Wal-Mart Super Center and Mill Hall, which was opened in 2015. We also have a loan production office in Dallas, Pennsylvania. In New York, we have a branch office in Wellsville, Allegany County.

In the second quarter of 2015, the Company entered into a definitive agreement to acquire The First National Bank of Fredericksburg, which is expected to close in the fourth quarter of 2015.

Risk Management

Risk identification and management are essential elements for the successful management of the Company. In the normal course of business, the Company is subject to various types of risk, including interest rate, credit, liquidity, reputational and regulatory risk.

Interest rate risk is the sensitivity of net interest income and the market value of financial instruments to the direction and frequency of changes in interest rates. Interest rate risk results from various re-pricing frequencies and the maturity structure of the financial instruments owned by the Company. The Company uses its asset/liability and funds management policy to control and manage interest rate risk.

Credit risk represents the possibility that a customer may not perform in accordance with contractual terms. Credit risk results from loans with customers and the purchasing of securities. The Company’s primary credit risk is in the loan portfolio. The Company manages credit risk by adhering to an established credit policy and through a disciplined evaluation of the adequacy of the allowance for loan losses. Also, the investment policy limits the amount of credit risk that may be taken in the investment portfolio.

Liquidity risk represents the inability to generate or otherwise obtain funds at reasonable rates to satisfy commitments to borrowers and obligations to depositors. The Company has established guidelines within its asset/liability and funds management policy to manage liquidity risk. These guidelines include, among other things, contingent funding alternatives.

Reputational risk, or the risk to our business, earnings, liquidity, and capital from negative public opinion, could result from our actual or alleged conduct in a variety of areas, including legal and regulatory compliance, lending practices, corporate governance, litigation, ethical issues, or inadequate protection of customer information. We expend significant resources to comply with regulatory requirements. Failure to comply could result in reputational harm or significant legal or remedial costs. Damage to our reputation could adversely affect our ability to retain and attract new customers, and adversely impact our earnings and liquidity.

Regulatory risk represents the possibility that a change in law, regulations or regulatory policy may have a material effect on the business of the Company. We cannot predict what legislation might be enacted or what regulations might be adopted, or if adopted, the effect thereof on our operations.

Competition

The banking industry in the Bank’s service area continues to be extremely competitive, both among commercial banks and with financial service providers such as consumer finance companies, thrifts, investment firms, mutual funds, insurance companies, credit unions and internet entities. The increased competition has resulted from changes in the legal and regulatory guidelines as well as from economic conditions, specifically, the additional wealth resulting from the exploration of natural gas in our primary market and the limited loan growth opportunities in our primary market and surrounding areas. Mortgage banking firms, financial companies, financial affiliates of industrial companies, brokerage firms, retirement fund management firms and even government agencies provide additional competition for loans and other financial services. The Bank is generally competitive with all competing financial institutions in its service area with respect to interest rates paid on time and savings deposits, service charges on deposit accounts and interest rates charged on loans.

Trust and Investment Services; Oil and Gas Services

Our Investment and Trust Services Department offers professional trust administration, investment management services, estate planning and administration, and custody of securities. Assets held by the Company in a fiduciary or agency capacity for its customers are not included in the Consolidated Financial Statements since such items are not assets of the Company. Revenues and fees of the Trust Department are reflected in the Company’s financial statements. As of June 30, 2015 and December 31, 2014, the Trust Department had $96.5 million and $100.7 million of assets under management, respectively. The decrease in assets under management was primarily due to one trust account closing in the second quarter of 2015.

Our Investment Representatives offer full service brokerage services and financial planning throughout the Bank’s market area. Products such as mutual funds, annuities, health and life insurance are made available through our insurance subsidiary, First Citizens Insurance Agency, Inc. The assets associated with these products are not included in the Consolidated Financial Statements since such items are not assets of the Company. Assets owned and invested by customers of the Bank through the Bank’s Investment Representatives increased from $111.7 million at December 31, 2014 to $116.8 million at June 30, 2015. Fee income from the sale of these products is reflected in the Company’s financial statements as a component of non-interest income in the Consolidated Statement of Income. Management believes that there are opportunities to increase non-interest income through these products and services, and as such, has added additional resources to support these opportunities.

In addition to the trust and investment services offered we have an oil and gas division, which serves as a network of experts to assist our customers through various oil and gas specific leasing matters from lease negotiations to establishing a successful approach to personal wealth management. As of June 30, 2015, customers owning 8,300 acres have signed agreements with the Bank that provide for the Bank to manage oil and gas matters related to the customers land, which may include negotiating lease payments and royalty percentages, resolving leasing issues, accounting for and ensuring the accuracy of royalty checks, distributing revenue to satisfy investment objectives and providing customized reports outlining payment and distribution information.

Results of Operations

Overview of the Income Statement

The Company had net income of $6,309,000 for the first six months of 2015 compared to $6,541,000 for last year’s comparable period, a decrease of $232,000 or 3.6%. Basic earnings per share for the first six months of 2015 were $2.09, compared to $2.15 last year, representing a 3.0% decrease. Annualized return on assets and return on equity for the six months of 2015 were 1.36% and 12.41%, respectively, compared with 1.45% and 13.63% for last year’s comparable period.

Net income for the three months ended June 30, 2015 was $3,189,000 compared to $3,365,000 in the comparable 2014 period, a decrease of $176,000 or 5.2%. Basic earnings per share for the three months ended June 30, 2015 were $1.06, compared to $1.11 last year, representing a 4.6% decrease. Annualized return on assets and return on equity for the quarter ended June 30, 2015 was 1.36% and 12.45%, respectively, compared with 1.49% and 13.88% for the same 2014 period.

Net Interest Income

Net interest income, the most significant component of the Company’s earnings, is the amount by which interest income generated from interest-earning assets exceeds interest expense on interest-bearing liabilities.

Net interest income for the first six months of 2015 was $15,148,000, a decrease of $14,000, or 0.1%, compared to the same period in 2014. For the first six months of 2015, the provision for loan losses totaled $240,000, a decrease of $90,000 over the comparable period in 2014. Consequently, net interest income after the provision for loan losses was $14,908,000 compared to $14,832,000 during the first six months of 2014.

For the three months ended June 30, 2015, net interest income was $7,561,000 compared to $7,650,000, a decrease of $89,000, or 1.2% over the comparable period in 2014. The provision for loan losses this quarter was $120,000 compared to $150,000 for last year’s second quarter. Consequently, net interest income after the provision for loan losses was $7,441,000 for the quarter ended June 30, 2015 compared to $7,500,000 in 2014.

The following table sets forth the average balances of, and the interest earned or incurred on, for each principal category of assets, liabilities and stockholders’ equity, the related rates, net interest income and interest rate spread created for the six months and three months ended June 30, 2015 and 2014 on a tax equivalent basis (dollars in thousands):

	Analysis of Average Balances and Interest Rates (1)
	Six Months Ended
	June 30, 2015			June 30, 2014
	Average		Average	Average		Average
	Balance (1)	Interest	Rate	Balance (1)	Interest	Rate
(dollars in thousands)	$	$	%	$	$	%
ASSETS
Short-term investments:
Interest-bearing deposits at banks	14,331	12	0.17	5,701	1	0.04
Total short-term investments	14,331	12	0.17	5,701	1	0.04
Interest bearing time deposits at banks	5,960	58	1.97	2,480	25	2.02
Investment securities:
Taxable	195,079	1,652	1.69	217,369	1,856	1.71
Tax-exempt (3)	99,925	2,498	5.00	95,832	2,548	5.32
Total investment securities	295,004	4,150	2.81	313,201	4,404	2.81
Loans:
Residential mortgage loans	183,827	5,057	5.55	186,727	5,284	5.71
Construction	6,313	160	5.11	5,383	123	4.61
Commercial & agricultural loans	280,823	7,377	5.30	270,348	7,320	5.46
Loans to state & political subdivisions	83,055	1,853	4.50	64,911	1,522	4.73
Other loans	8,120	322	8.00	8,862	359	8.17
Loans, net of discount (2)(3)(4)	562,138	14,769	5.30	536,231	14,608	5.49
Total interest-earning assets	877,433	18,989	4.36	857,613	19,038	4.48
Cash and due from banks	3,933			3,777
Bank premises and equipment	12,579			11,122
Other assets	35,788			29,174
Total non-interest earning assets	52,300			44,073
Total assets	929,733			901,686
LIABILITIES AND STOCKHOLDERS' EQUITY
Interest-bearing liabilities:
NOW accounts	231,106	407	0.36	218,528	388	0.36
Savings accounts	112,734	67	0.12	98,444	55	0.11
Money market accounts	94,474	219	0.47	84,579	189	0.45
Certificates of deposit	249,866	1,351	1.09	261,932	1,567	1.21
Total interest-bearing deposits	688,180	2,044	0.60	663,483	2,199	0.67
Other borrowed funds	33,603	347	2.08	45,569	309	1.37
Total interest-bearing liabilities	721,783	2,391	0.67	709,052	2,508	0.71
Demand deposits	97,498			89,396
Other liabilities	8,813			7,252
Total non-interest-bearing liabilities	106,311			96,648
Stockholders' equity	101,639			95,986
Total liabilities & stockholders' equity	929,733			901,686
Net interest income		16,598			16,530
Net interest spread (5)			3.69%			3.77%
Net interest income as a percentage
of average interest-earning assets			3.81%			3.89%
Ratio of interest-earning assets
to interest-bearing liabilities			122%			121%

(1) Averages are based on daily averages.
(2) Includes loan origination and commitment fees.
(3) Tax exempt interest revenue is shown on a tax equivalent basis for proper comparison using
a statutory federal income tax rate of 34%.
(4) Income on non-accrual loans is accounted for on a cash basis, and the loan balances are included in interest-earning assets.
(5) Interest rate spread represents the difference between the average rate earned on interest-earning assets
and the average rate paid on interest-bearing liabilities.

	Analysis of Average Balances and Interest Rates (1)
	Three Months Ended
	June 30, 2015			June 30, 2014
	Average		Average	Average		Average
	Balance (1)	Interest	Rate	Balance (1)	Interest	Rate
(dollars in thousands)	$	$	%	$	$	%
ASSETS
Short-term investments:
Interest-bearing deposits at banks	19,879	10	0.19	6,122	-	0.03
Total short-term investments	19,879	10	0.19	6,122	-	0.03
Interest bearing time deposits at banks	5,960	29	1.97	2,480	13	2.02
Investment securities:
Taxable	188,736	799	1.69	212,143	918	1.73
Tax-exempt (3)	97,443	1,212	4.98	96,282	1,272	5.28
Total investment securities	286,179	2,011	2.87	308,425	2,190	2.84
Loans:
Residential mortgage loans	183,251	2,519	5.51	187,129	2,654	5.69
Construction	6,912	89	5.15	3,450	41	4.77
Commercial & farm loans	285,580	3,730	5.24	272,525	3,703	5.45
Loans to state & political subdivisions	84,776	936	4.43	66,335	812	4.91
Other loans	8,064	160	7.94	8,716	176	8.10
Loans, net of discount (2)(3)(4)	568,583	7,434	5.24	538,155	7,386	5.50
Total interest-earning assets	880,601	9,484	4.32	855,182	9,589	4.50
Cash and due from banks	3,988			3,771
Bank premises and equipment	12,611			11,174
Other assets	41,736			31,121
Total non-interest earning assets	58,335			46,066
Total assets	938,936			901,248
LIABILITIES AND STOCKHOLDERS' EQUITY
Interest-bearing liabilities:
NOW accounts	236,864	209	0.35	220,310	194	0.35
Savings accounts	114,764	35	0.12	100,025	27	0.11
Money market accounts	94,609	109	0.46	85,869	95	0.44
Certificates of deposit	250,091	682	1.09	259,344	778	1.20
Total interest-bearing deposits	696,328	1,035	0.60	665,548	1,094	0.66
Other borrowed funds	30,849	172	2.24	39,990	145	1.45
Total interest-bearing liabilities	727,177	1,207	0.67	705,538	1,239	0.70
Demand deposits	100,865			91,798
Other liabilities	8,441			6,924
Total non-interest-bearing liabilities	109,306			98,722
Stockholders' equity	102,453			96,988
Total liabilities & stockholders' equity	938,936			901,248
Net interest income		8,277			8,350
Net interest spread (5)			3.65%			3.80%
Net interest income as a percentage
of average interest-earning assets			3.77%			3.92%
Ratio of interest-earning assets
to interest-bearing liabilities			121%			121%

(1) Averages are based on daily averages.
(2) Includes loan origination and commitment fees.
(3) Tax exempt interest revenue is shown on a tax equivalent basis for proper comparison using a statutory federal income tax rate of 34%.
(4) Income on non-accrual loans is accounted for on a cash basis, and the loan balances are included in interest-earning assets.
(5) Interest rate spread represents the difference between the average rate earned on interest-earning assets
and the average rate paid on interest-bearing liabilities.

Tax exempt revenue is shown on a tax-equivalent basis for proper comparison using a statutory, federal income tax rate of 34%. For purposes of the comparison, as well as the discussion that follows, this presentation facilitates performance comparisons between taxable and tax-free assets by increasing the tax-free income by an amount equivalent to the Federal income taxes that would have been paid if this income were taxable at the Company’s 34% Federal statutory rate. The following table represents the adjustment to convert net interest income to net interest income on a fully taxable equivalent basis for the periods ending June 30, 2015 and 2014 (in thousands):

	For the Three Months		For the Six Months
	Ended June 30		Ended June 30
	2015	2014	2015	2014
Interest and dividend income from investment securities
and interest bearing deposits at banks (non-tax adjusted)	$ 1,639	$ 1,771	$ 3,371	$ 3,564
Tax equivalent adjustment	411	432	849	866
Interest and dividend income from investment securities
and interest bearing deposits at banks (tax equivalent basis)	$ 2,050	$ 2,203	$ 4,220	$ 4,430

Interest and fees on loans (non-tax adjusted)	$ 7,129	$ 7,118	$ 14,168	$ 14,106
Tax equivalent adjustment	305	268	601	502
Interest and fees on loans (tax equivalent basis)	$ 7,434	$ 7,386	$ 14,769	$ 14,608

Total interest income	$ 8,768	$ 8,889	$ 17,539	$ 17,670
Total interest expense	1,207	1,239	2,391	2,508
Net interest income	7,561	7,650	15,148	15,162
Total tax equivalent adjustment	716	700	1,450	1,368
Net interest income (tax equivalent basis)	$ 8,277	$ 8,350	$ 16,598	$ 16,530

The following table shows the tax-equivalent effect of changes in volume and rate on interest income and expense (in thousands):

Analysis of Changes in Net Interest Income on a Tax-Equivalent Basis (1)
	Three months ended June 30, 2015 vs. 2014 (1)			Six months ended June 30, 2015 vs. 2014 (1)
	Change in	Change	Total	Change in	Change	Total
	Volume	in Rate	Change	Volume	in Rate	Change
Interest Income:
Short-term investments:
Interest-bearing deposits at banks	$ 3	$ 7	$ 10	$ 3	$ 8	$ 11
Interest bearing time deposits at banks	17	(1)	16	34	(1)	33
Investment securities:
Taxable	(99)	(20)	(119)	(189)	(15)	(204)
Tax-exempt	16	(76)	(60)	125	(175)	(50)
Total investments	(83)	(96)	(179)	(64)	(190)	(254)
Loans:
Residential mortgage loans	(54)	(81)	(135)	(81)	(146)	(227)
Construction	45	3	48	23	14	37
Commercial & agricultural loans	141	(114)	27	247	(190)	57
Loans to state & political subdivisions	191	(67)	124	401	(70)	331
Other loans	(13)	(3)	(16)	(30)	(7)	(37)
Total loans, net of discount	310	(262)	48	560	(399)	161
Total Interest Income	247	(352)	(105)	533	(582)	(49)
Interest Expense:
Interest-bearing deposits:
NOW accounts	15	-	15	22	(3)	19
Savings accounts	4	4	8	8	4	12
Money Market accounts	10	4	14	23	7	30
Certificates of deposit	(27)	(69)	(96)	(70)	(146)	(216)
Total interest-bearing deposits	2	(61)	(59)	(17)	(138)	(155)
Other borrowed funds	(20)	47	27	(38)	76	38
Total interest expense	(18)	(14)	(32)	(55)	(62)	(117)
Net interest income	$ 265	$ (338)	$ (73)	$ 588	$ (520)	$ 68

(1) The portion of the total change attributable to both volume and rate changes, which can not be separated, has been allocated proportionally to the change due to volume and the change due to rate prior to allocation.

Tax equivalent net interest income increased from $16,530,000 for the six month period ended June 30, 2014 to $16,598,000 for the six month period ended June 30, 2015, an increase of $68,000. The tax equivalent net interest margin decreased from 3.89% for the first six months of 2014 to 3.81% in 2015.

Total tax equivalent interest income for the 2015 six month period decreased $49,000 as compared to the 2014 six month period. This decrease was primarily a result of a decrease of $582,000 due to a change in rate, as the yield on interest earning assets decreased from 4.48% to 4.36% or 12 basis points for the comparable periods. This decrease was offset by an increase of $533,000 as a result of an increase in the average balance of interest earning assets of $19.8 million for the comparable periods. While the Bank has been able to add interest earning assets, the new assets are priced at lower rates than assets that have matured due to the prolonged low interest rate environment. Additionally, assets repriced at lower rates during the 2015 period.

Tax equivalent investment income for the six months ended June 30, 2015 decreased $254,000 over the same period last year. The primary causes of the decrease were a decrease in the average outstanding balance of taxable securities and a decrease in the yield earned on tax exempt securities.

The average balance of taxable securities decreased by $22.3 million which resulted in a decrease in investment income of $189,000. The reason there was such a large decrease in the average balance of taxable securities was due to less than favorable investment opportunities. The yield earned on taxable securities decreased 2 basis points, which resulted in a further decrease in investment income of $15,000.

The yield on tax-exempt securities decreased 32 basis points from 5.32% to 5.00%, which corresponds to a decrease in interest income of $175,000. The yield decrease was due to the amount of purchases we made in the current low interest rate environment. For a discussion of the Company’s current investment strategy, see the “Financial Condition – Investments”. Offsetting this decrease, the average balance of tax-exempt securities increased $4.1 million resulting in an increase in investment income of $125,000.

The purchase of tax-exempt securities, along with municipal loans and investment tax credits, allows us to manage and reduce our effective tax rate as well as increase the overall after-tax yield on our interest earning assets.

Total loan interest income increased $161,000 for the six months ended June 30, 2015 compared to the same period last year.

The average balance of state and political subdivision loans increased $18.1 million from a year ago. This had a positive impact of $401,000 on total interest income due to volume. Offsetting this increase, the yield earned decreased 23 basis points to 4.50%, which decreased loan interest income $70,000.

The average balance of commercial and agricultural loans increased $10.5 million from a year ago. This had a positive impact of $247,000 on total interest income due to volume, which was offset by a decrease of $190,000 due to rate, as the yield earned decreased from 5.46% to 5.30% due to the continued low rate environment and increased competition.

Interest income on residential mortgage loans decreased $227,000. The average balance of residential loans decreased $2.9 million from a year ago. This resulted in a decrease in loan interest income of $81,000. Additionally, the yield earned on residential loans decreased 16 basis points compared to 2014, which corresponds to a decrease in interest income of $146,000.

Total interest expense decreased $117,000 for the six months ended June 30, 2015 compared with last year. A decrease of $62,000 was the result of a decrease in the average rate paid from 0.71% to 0.67%. The low interest rate environment prompted by the Federal Reserve had the effect of decreasing our rates paid on certificates of deposit. While the Company’s rates on deposit products are below its historical averages, they are competitive with rates paid by other institutions in the marketplace. The average balance of interest bearing liabilities increased $12.7 million from June 30, 2014 to June 30, 2015. Increases were experienced in NOW accounts of $12.6 million, savings accounts of $14.3 million and money market accounts of $9.9 million. The cumulative effect of these increases was an increase in interest expense of $53,000. Certificates of deposit decreased $12.1 million, which resulted in a decrease in interest expense due to volume of $70,000. (see also “Financial Condition – Deposits”).

Interest expense on certificates of deposits decreased $216,000 over the same period last year. There was a decrease in the average rate on certificates of deposit from 1.21% to 1.09% resulting in a decrease in interest expense of $146,000. Additionally, the average balance of certificates of deposit decreased $12.1 million causing a decrease in interest expense of $70,000.

Interest expense on other borrowed funds increased $38,000 over the same period last year. The primary cause of the increase was the average rate on other borrowed funds increasing 71 basis points resulting in an increase in interest expense of $76,000. The increase in rate on the other borrowed funds is a result of the significant amount of overnight borrowings that were outstanding during the 2014 period compared to the 2015 period. In the current rate environment, overnight borrowings have a lower rate than longer term borrowings. The average balance of other borrowed funds decreased $12.0 million resulting in a decrease in interest expense due to volume of $38,000.

Tax equivalent net interest income for the three months ended June 30, 2015 was $8,277,000 which compares to $8,350,000 for the same period last year. This represents a decrease of $73,000 or 0.9%.

Total tax equivalent interest income was $9,484,000 for the three month period ended June 30,2015, compared with $9,589,000 for the comparable period last year, a decrease of $105,000. The primary driver of this decrease was a decrease in yield of 18 basis points on interest earning assets from 4.50% to 4.32%:

Total investment income decreased by $179,000 compared to same period last year. This was due to a 30 point decrease in rate on tax exempt investments from 5.28% to 4.98%, which equates to a $76,000 decrease in income. In addition, there was a decrease in income of $99,000 as a result of a $23.4 million decrease in the average balance of taxable securities.

Total loan interest income increased $48,000 compared to the same period last year. This was primarily due to an increase in volume of $25.4 million, which corresponds to a $310,000 increase in interest income. This was offset by a decrease in rate of 26 points from 5.50% to 5.24%, which corresponds to a decrease in loan interest income of $262,000.

Total interest expense decreased $32,000 for the three months ended June 30, 2015 compared with last year as a result of a decrease in the average rate on interest-bearing liabilities of 3 basis points from 0.70% to 0.67%, accounting for a $14,000 decrease in interest expense. Additionally, due to a $9.3 million decrease in the average balance of certificates of deposit, there was a $27,000 decrease in interest expense.

Provision for Loan Losses

For the six month period ending June 30, 2015, we recorded a provision for loan losses of $240,000, which represents a decrease of $90,000 from the $330,000 provision recorded in the corresponding six months of last year. The provision was lower in 2015 than 2014 due to the improvement in the credit quality of the loan portfolio. see “Financial Condition – Allowance for Loan Losses and Credit Quality Risk”).

For the three months ending June 30, 2015, we recorded a provision of $120,000 compared to $150,000 in 2014.

Non-interest Income

The following table shows the breakdown of non-interest income for the three and six months ended June 30, 2015 and 2014 (in thousands):

	Six months ended June 30,		Change
	2015	2014	Amount	%
Service charges	$ 2,004	$ 2,141	$ (137)	(6.4)
Trust	374	377	(3)	(0.8)
Brokerage and insurance	382	257	125	48.6
Gains on loans sold	98	70	28	40.0
Investment securities gains, net	301	246	55	22.4
Earnings on bank owned life insurance	306	242	64	26.4
Other	218	209	9	4.3
Total	$ 3,683	$ 3,542	$ 141	4.0

	Three months ended June 30,		Change
	2015	2014	Amount	%
Service charges	$ 1,028	$ 1,102	$ (74)	(6.7)
Trust	180	186	(6)	(3.2)
Brokerage and insurance	255	137	118	86.1
Gains on loans sold	60	30	30	100.0
Investment securities gains, net	175	75	100	133.3
Earnings on bank owned life insurance	154	121	33	27.3
Other	103	104	(1)	(1.0)
Total	$ 1,955	$ 1,755	$ 200	11.4

Non-interest income for the six months ended June 30, 2015 totaled $3,683,000, an increase of $141,000 when compared to the same period in 2014. During the first six months of 2014, net investment security gains amounted to $301,000 compared to gains of $246,000 last year. We sold three agency securities for gains totaling $100,000, one mortgage backed security in government sponsored entities for a gain of $37,000, seven municipal bonds for gains totaling $99,000, a financial institution equity holding for a gain of $76,000 and a US Treasury note for a loss of $11,000 in order to take advantage of certain market conditions. In 2014, we sold five agency securities for gains totaling $95,000, three mortgage backed securities in government sponsored entities for gains totaling $78,000, and a portion of a financial institution equity holding for a gain of $73,000.

For the first six months of 2015, account service charges totaled $2,004,000, a decrease of $137,000 or 6.4%, when compared to the same period in 2014. The primary decrease was associated with a $109,000 decrease attributable to fees charged to customers for non-sufficient funds. This revenue source has been negatively impacted and will continue to be negatively impacted by changes in regulations implemented as part of Dodd-Frank. The increase in earnings on bank owned life insurances of $64,000 is due to purchases of an additional $5.0 million of insurance made late in the fourth quarter of 2014. The increase in brokerage and insurance revenues of $125,000 in the current six months is primarily due to sales to a new customer, with a large brokerage balance. The increase in gains on loans sold is due to an increase of 36.0% in the amount of loans sold in 2015 compared to 2014. During the first six months of 2015, the Company received proceeds of $6.9 million from the sale of conforming loans compared to $5.1 million of proceeds for the comparable 2014 period.

For the three month period ended June 30, 2015, the changes experienced from the prior year correspond to the changes experienced for the six month period. The decrease in revenue associated with non-sufficient funds continued into the second quarter, while increases related to brokerage, and earnings on bank owned life insurance continue and are consistent with year to date changes.

Non-interest Expense

The following tables reflect the breakdown of non-interest expense for the three and six months ended June 30, 2015 and 2014 (in thousands):

	Six months ended
	June 30,		Change
	2015	2014	Amount	%
Salaries and employee benefits	$ 6,049	$ 5,810	$ 239	4.1
Occupancy	717	654	63	9.6
Furniture and equipment	215	194	21	10.8
Professional fees	412	442	(30)	(6.8)
FDIC insurance	232	229	3	1.3
Pennsylvania shares tax	401	384	17	4.4
ORE expenses	358	137	221	161.3
Other	2,379	2,241	138	6.2
Total	$ 10,763	$ 10,091	$ 672	6.7

	Three months ended
	June 30,		Change
	2015	2014	Amount	%
Salaries and employee benefits	$ 2,993	$ 2,893	$ 100	3.5
Occupancy	348	304	44	14.5
Furniture and equipment	87	94	(7)	(7.4)
Professional fees	180	208	(28)	(13.5)
FDIC insurance	116	116	-	-
Pennsylvania shares tax	200	191	9	4.7
ORE expenses	240	47	193	410.6
Other	1,264	1,147	117	10.2
Total	$ 5,428	$ 5,000	$ 428	8.6

Non-interest expenses increased $672,000 for the six months ended June 30, 2015 compared to the same period in 2014. Salaries and employee benefits increased $239,000 or 4.1%. Merit increases effective at the beginning of 2015 and an increase in full time equivalent employees, as part of implementing the Bank’s strategic plan, accounted for an increase in salaries and employee benefits of approximately $179,000. Insurance related expenses increased $48,000 as a result of an increase in claims experience. Due to actuarial changes, pension expense has increased $78,000 in 2015 compared to the 2014 six month period. As a result of the increase in brokerage and insurance revenues, commission expense has increased $41,000. Profit sharing expenses have decreased $99,000 compared to the comparable period of 2014.

The primary cause of the increases in occupancy and furniture and fixtures is the opening of the Mill Hall branch in the first quarter of 2015. The increase in ORE expenses in 2015 is the result of a $109,000 write-down on one OREO property taken in the second quarter of 2015 due to an updated appraisal and expenses related to OREO proceedings. The largest driver of the increase in other expenses is fees related to the pending merger with The First National Bank of Fredericksburg, which is expected to close in the fourth quarter of 2015.

For the three months ended, June 30, 2015, non-interest expenses increased $428,000 when compared to the same period in 2014. ORE expenses increased $193,000 primarily due to the $109,000 ORE write down and fees related to OREO court proceedings. The increase in other expenses is primarily driven as a result of fees associated with the pending merger.

Provision for Income Taxes

The provision for income taxes was $1,519,000 for the six month period ended June 30, 2015 compared to $1,742,000 for the same period in 2014. The decrease is attributable to a decrease in income before the provision for income taxes of $455,000 and an increase in tax-exempt income as a proportion of total interest income. Through management of our municipal loan and bond portfolios, management is focused on minimizing our effective tax rate. Our effective tax rate was 19.4% and 21.0% for the first six months of 2015 and 2014, respectively, compared to the statutory rate of 34%.

For the three months ended June 30, 2015, the provision for income taxes was $779,000 compared to $890,000 for the same period in 2014. The decrease is attributable to the decrease in income before the provision for income taxes of $287,000 and an increase in tax-exempt income as a proportion of total interest income. Our effective tax rate was 19.6% and 20.9% for the three months ended June 30, 2015 and 2014, respectively, compared to the statutory rate of 34%.

We have invested in four limited partnership agreements that established low-income housing projects in our market areas. We anticipate recognizing an aggregate of $1.1 million of tax credits over the next seven years, with an additional $99,000 anticipated to be recognized during 2015.

Financial Condition

Total assets were $942.5 million at June 30, 2015, an increase of $17.5 million, or 1.9% from $925.0 million at December 31, 2014. Cash and cash equivalents decreased $511,000 or 4.5% to $10.9 million. Investment securities decreased to $304.8 million and net loans increased 3.2% to $564.7 million at June 30, 2015. Total deposits increased $18.0 million to $791.9 million since year-end 2014, while borrowed funds decreased $2.6 million to $39.2 million.

Cash and Cash Equivalents

Cash and cash equivalents totaled $10.9 million at June 30, 2015 compared to $11.4 million at December 31, 2014, a decrease of $0.5 million. Management actively measures and evaluates its liquidity through our Asset–Liability Committee and believes its liquidity needs are satisfied by the current balance of cash and cash equivalents, readily available access to traditional funding sources including the Bank’s core deposits, Federal Home Loan Bank financing, federal funds lines with correspondent banks, brokered certificates of deposit and the portion of the investment and loan portfolios that mature within one year. Management expects that these sources of funds will permit us to meet cash obligations and off-balance sheet commitments as they come due.

Investments

The following table shows the composition of the investment portfolio as of June 30, 2015 and December 31, 2014 (dollars in thousands):

	June 30, 2015		December 31, 2014
	Amount	%	Amount	%
Available-for-sale:
U. S. Agency securities	$ 167,580	55.0	$ 150,885	49.3
U. S. Treasury notes	-	-	4,849	1.6
Obligations of state & political subdivisions	96,282	31.6	105,036	34.3
Corporate obligations	12,805	4.2	13,958	4.6
Mortgage-backed securities in government sponsored entities	26,350	8.6	29,728	9.6
Equity securities in financial institutions	1,775	0.6	1,690	0.6
Total	$ 304,792	100.0	$ 306,146	100.0

	June 30, 2015/ December 31, 2014
	Change
	Amount	%
Available-for-sale:
U. S. Agency securities	$ 16,695	11.1
U. S. Treasury notes	(4,849)	(100.0)
Obligations of state & political subdivisions	(8,754)	(8.3)
Corporate obligations	(1,153)	(8.3)
Mortgage-backed securities in government sponsored entities	(3,378)	(11.4)
Equity securities in financial institutions	85	5.0
Total	$ (1,354)	(0.4)

Our investment portfolio decreased by $1.4 million, or 0.4%, from December 31, 2014 to June 30, 2015. During 2015, we purchased approximately $38.9 million of U.S. agency obligations, $10.5 million of state and local obligations and $218,000 of equity securities in financial institutions, which helped offset the $2.8 million of principal repayments and $28.3 million of calls and maturities that occurred during the six month period. We also sold $18.4 million of various securities at a gain of $301,000. Excluding our short-term investments consisting of monies held primarily at the Federal Reserve for liquidity purposes, our investment portfolio for the six month period ended June 30, 2015 yielded 2.81%, which is the same as the comparable period in 2014 on a tax equivalent basis.

During the first six months of 2015, there were significant swings in the yield on investments as a result of economic indicators, comments made by the Federal Reserve that have indicated a potential rise in rates in the near future and turbulence in foreign markets. As a result of this volatility, we have monitored the trading ranges for various investment products and have tried to limit purchases to times when yields are in the top third of the trading range. Additionally, for the purchases made, the investment strategy in 2015 has been to purchase agency securities with maturities of less than five years and high quality municipal bonds with high coupons. The Bank believes it has appropriately mitigated its interest rate risk exposure in the event of rising interest rates, if they occur. Additionally, high coupon municipal bonds have less price volatility in rising rate scenarios than similar lower coupon bonds. We believe this strategy will enable us to reinvest cash flows in the next two to five years when and if investment opportunities improve.

Management continues to monitor the earnings performance and the liquidity of the investment portfolio on a regular basis. Through active balance sheet management and analysis of the securities portfolio, the Company believes it maintains sufficient liquidity to satisfy depositor requirements and various credit needs of its customers.

Loans

The following table shows the composition of the loan portfolio as of June 30, 2015 and December 31, 2014 (dollars in thousands):

	June 30,		December 31,
	2015		2014
	Amount	%	Amount	%
Real estate:
Residential	$ 181,566	31.8	$ 185,438	33.5
Commercial	193,727	33.9	190,945	34.5
Agricultural	30,723	5.4	24,639	4.4
Construction	8,025	1.4	6,353	1.1
Consumer	8,374	1.5	8,497	1.5
Other commercial and agricultural loans	64,506	11.3	58,516	10.6
State & political subdivision loans	84,730	14.7	79,717	14.4
Total loans	571,651	100.0	554,105	100.0
Less allowance for loan losses	6,959		6,815
Net loans	$ 564,692		$ 547,290

	June 30, 2015/
	December 31, 2014
	Change
	Amount	%
Real estate:
Residential	$ (3,872)	(2.1)
Commercial	2,782	1.5
Agricultural	6,084	24.7
Construction	1,672	26.3
Consumer	(123)	(1.4)
Other commercial and agricultural loans	5,990	10.2
State & political subdivision loans	5,013	6.3
Total loans	$ 17,546	3.2

The Company’s lending is focused in the north central Pennsylvania market and the southern tier of New York. The composition of our loan portfolio consists principally of retail lending, which includes single-family residential mortgages and other consumer lending, and commercial lending primarily to locally owned small businesses and area municipalities. New loans are primarily direct loans to our existing customer base, with new customers generated by referrals from real estate brokers, building contractors, attorneys, accountants and existing customers and the efforts and expertise of our business development officers.

During the first six months of 2015, the Company experienced growth in state and political subdivision loans, which increased $5.0 million or 6.3%, other commercial and agricultural loans, which increased $6.0 million or 10.2%, commercial real estate, which increased $2.8 million or 1.5%, agricultural real estate loans, which increased $6.1 million or 24.7% and construction loans, which increased $1.7 million, or 26.3%. The increase in state and political loans, other commercial and agricultural, commercial real estate and agricultural real estate loans reflects on the Company’s experienced lenders and their ability to identify and meet the needs of our customers while providing growth opportunities for the Company’s loan portfolio. We also look at commercial relationships as a way to obtain deposits from farmers, small businesses and municipalities throughout our market area. We continue to experience growth in the Mill Hall branch that opened in February 2015. Commercial loan demand is subject to significant competitive pressures, the yield curve, the strength of the overall regional and national economy and the local economy. The local economy has been impacted significantly by natural gas exploration activities, which are impacted by regulations and changes in the market price of natural gas. Due to the low price for natural gas exploration activities remained curtailed. We work closely with local municipalities and school districts to meet their needs that otherwise would be provided by the municipal bond market.

Residential real estate loans decreased $3.9 million during the first six months of 2015. Loan demand for conforming mortgages, which the Company typically sells on the secondary market has increased slightly in 2015 when compared to 2014. During the first six months of 2015, $7.5 million of loans were originated, which compares to $5.3 million originated during the same period in 2014. For loans sold on the secondary market, the Company recognizes fee income for servicing these sold loans, which is included in non-interest income. Management continues to build technologies which make it easier and more efficient for customers to choose the Company for their mortgage needs.

Allowance for Loan Losses

The allowance for loan losses is maintained at a level which in management’s judgment is adequate to absorb probable future loan losses inherent in the loan portfolio. The provision for loan losses is charged against current income. Loans deemed not collectable are charged-off against the allowance while subsequent recoveries increase the allowance. The following table presents an analysis of the allowance for loan losses and non-performing loans and assets as of and for the six months ended June 30, 2015 and for the years ended December 31, 2014, 2013, 2012 and 2011 (dollars in thousands):

	June 30,	December 31,
	2015	2014	2013	2012	2011
Balance
at beginning of period	$ 6,815	$ 7,098	$ 6,784	$ 6,487	$ 5,915
Charge-offs:
Real estate:
Residential	34	97	17	95	101
Commercial	56	516	62	2	29
Agricultural	-	-	-	-	-
Consumer	24	47	54	54	71
Other commercial and agricultural loans	1	250	1	21	6
Total loans charged-off	115	910	134	172	207
Recoveries:
Real estate:
Residential	-	-	5	-	-
Commercial	7	15	5	9	15
Agricultural	-	-	-	-	-
Consumer	12	27	33	33	57
Other commercial and agricultural loans	-	-	-	7	32
Total loans recovered	19	42	43	49	104
Net loans charged-off	96	868	91	123	103
Provision charged to expense	240	585	405	420	675
Balance at end of period	$ 6,959	$ 6,815	$ 7,098	$ 6,784	$ 6,487

Loans outstanding at end of period	$ 571,651	$ 554,105	$ 540,612	$ 502,463	$ 487,509
Average loans outstanding, net	$ 562,138	$ 540,541	$ 516,748	$ 496,822	$ 474,972
Non-performing assets:
Non-accruing loans	$ 6,567	$ 6,599	$ 8,097	$ 8,067	$ 9,165
Accrual loans - 90 days or more past due	826	836	697	506	275
Total non-performing loans	$ 7,393	$ 7,435	$ 8,794	$ 8,573	$ 9,440
Foreclosed assets held for sale	1,815	1,792	1,360	616	860
Total non-performing assets	$ 9,208	$ 9,227	$ 10,154	$ 9,189	$ 10,300
Annualized net charge-offs to average loans	0.03%	0.16%	0.02%	0.02%	0.02%
Allowance to total loans	1.22%	1.23%	1.31%	1.35%	1.33%
Allowance to total non-performing loans	94.13%	91.66%	80.71%	79.13%	68.72%
Non-performing loans as a percent of loans
net of unearned income	1.29%	1.34%	1.63%	1.71%	1.94%
Non-performing assets as a percent of loans
net of unearned income	1.61%	1.67%	1.88%	1.83%	2.11%

Management believes it uses the best information available when estimating the allowance for loan losses and that the allowance for loan losses is adequate as of June 30, 2015. However, future adjustments could be required if circumstances differ substantially from assumptions and estimates used in making the initial determination. A prolonged downturn in the economy, high unemployment rates, significant changes in the value of collateral and delays in receiving financial information from borrowers could result in increased levels of non-performing assets, charge-offs, loan loss provisions and reduction in income. Additionally, bank regulatory agencies periodically examine the Bank’s allowance for loan losses. The banking agencies could require the recognition of additions to the allowance for loan losses based upon their judgment of information available to them at the time of their examination.

On a monthly basis, problem loans are identified and updated primarily using internally prepared past due reports. Based on data surrounding the collection process of each identified loan, the loan may be added or deleted from the monthly watch list. The watch list includes loans graded special mention, substandard, doubtful, and loss, as well as additional loans that management may choose to include. Watch list loans are continually monitored going forward until satisfactory conditions exist that allow management to upgrade and remove the loan. In certain cases, loans may be placed on non-accrual status or charged-off based upon management’s evaluation of the borrower’s ability to pay. All commercial loans, which include commercial real estate, agricultural real estate, state and political subdivision loans and other commercial loans, on non-accrual are evaluated quarterly for impairment.

The balance in the allowance for loan losses was $6,959,000 or 1.22% of total loans as of June 30, 2015 as compared to $6,815,000 or 1.23% of loans as of December 31, 2014. The $144,000 increase is a result of a $240,000 provision for the first six months offset by net charge-offs of $96,000. The following table shows the distribution of the allowance for loan losses and the percentage of loans compared to total loans by loan category (dollars in thousands) as of June 30, 2015 and December 31, 2014, 2013, 2012 and 2011:

	June 30		December 31
	2015		2014		2013		2012		2011
	Amount	%	Amount	%	Amount	%	Amount	%	Amount	%
Real estate loans:
Residential	$ 931	31.8	$ 878	33.5	$ 946	34.6	$ 875	35.4	$ 805	37.7
Commercial, agricultural	3,679	39.3	3,870	38.9	4,558	39.8	4,437	38.8	4,132	37.9
Construction	14	1.4	26	1.1	50	1.7	38	2.4	15	1.7
Consumer	89	1.5	84	1.5	105	1.7	119	2.1	111	2.2
Other commercial and agricultural loans	1,502	11.3	1,224	10.6	942	10.0	728	9.5	674	9.1
State & political subdivision loans	568	14.7	545	14.4	330	12.2	271	11.8	235	11.4
Unallocated	176	N/A	188	N/A	167	N/A	316	N/A	515	N/A
Total allowance for loan losses	$ 6,959	100.0	$ 6,815	100.0	$ 7,098	100.0	$ 6,784	100.0	$ 6,487	100.0

As a result of previous loss experiences and other risk factors utilized in determining the allowance, the Bank’s allocation of the allowance does not directly correspond to the actual balances of the loan portfolio. While commercial and agricultural real estate total 39.3% of the loan portfolio, 52.9% of the allowance is assigned to this segment of the loan portfolio as these loans have more inherent risks than residential real estate or loans to state and political subdivisions.

The following table identifies amounts of loans contractually past due 30 to 89 days and non-performing loans by loan category, as well as the change from December 31, 2014 to June 30,2015 in non-performing loans(dollars in thousands). Non-performing loans include those loans that are contractually past due 90 days or more and non-accrual loans. Interest does not accrue on non-accrual loans. Subsequent cash payments received are applied to the outstanding principal balance or recorded as interest income, depending upon management's assessment of its ultimate ability to collect principal and interest.

	June 30, 2015				December 31, 2014
		Non-Performing Loans				Non-Performing Loans
	30 - 89 Days				30 - 89 Days
	Past Due	90 Days Past	Non-	Total Non-	Past Due	90 Days Past	Non-	Total Non-
(in thousands)	Accruing	Due Accruing	accrual	Performing	Accruing	Due Accruing	accrual	Performing
Real estate:
Residential	$ 1,038	$ 460	$ 849	$ 1,309	$ 1,089	$ 346	$ 828	$ 1,174
Commercial	59	104	4,547	4,651	147	310	5,010	5,320
Agricultural	209	-	-	-	-	-	-	-
Consumer	38	1	53	54	75	6	47	53
Other commercial and
agricultural loans	365	261	1,118	1,379	761	174	714	888
Total nonperforming loans	$ 1,709	$ 826	$ 6,567	$ 7,393	$ 2,072	$ 836	$ 6,599	$ 7,435

	Change in Non-Performing Loans
	June 30, 2015 /December 31, 2014
(in thousands)	Amount	%
Real estate:
Residential	$ 135	11.5
Commercial	(669)	(12.6)
Agricultural	-	N/A
Construction	-	N/A
Consumer	1	1.9
Other commercial and
agricultural loans	491	55.3
Total nonperforming loans	$ (42)	(0.6)

For the six month period ending June 30, 2015, we recorded a provision for loan losses of $240,000, which compares to $330,000 for the same time period in 2014. Non-performing loans decreased $42,000 or 0.6%, from December 31, 2014 to June 30, 2015. Approximately 60.0% of the Bank’s non-performing loans are associated with the following three customer relationships:

A commercial customer with a total loan relationship of $3.4 million secured by 164 residential properties was considered non-accrual as of June 30, 2015. In the first quarter of 2011, the Company and borrower entered into a forbearance agreement to restructure the debt. In July of 2013, the customer filed for bankruptcy under Chapter 11 and a Trustee was appointed in January of 2014. In 2015, the Trustee has decreased the loan payments below what was agreed to in the forbearance agreement. This decrease is currently being litigated in bankruptcy court. As a result of the decrease, the relationship has become more than 90 days past due. In the second quarter of 2015, 25 appraisals were completed and management observed an additional 20 properties. These items did not note any significant change in collateral values. We continue to monitor the bankruptcy proceedings to identify potential changes in the customer’s operations and the impact these would have on the loan payments for our loans to the customer and the underlying collateral that supports these loans.

A commercial customer with a relationship of approximately $435,000 after a charge-off of $463,000 during the second quarter of 2014, secured by commercial real estate was considered non-accrual as of June 30, 2015. The current economic conditions have significantly impacted the cash flows from the customer’s activities. Management reviewed the collateral and in the second quarter of 2014 charged-off of a portion of the balance associated with this customer, which was based on the appraised value of collateral and as a result there is no specific reserve as of June 30, 2015.

A commercial customer with a relationship of approximately $583,000 secured by vacant real estate, equipment and accounts receivable was considered non-accrual as of June 30, 2015. The slowdown in the exploration for natural gas has significantly impacted the cash flows of the customer. Management reviewed the collateral and there is a specific reserve of $56,000 as of June 30, 2015.

Management of the Bank believes that the allowance for loan losses is adequate, which is based on the following factors:

·	One loan relationship comprises 46.2% of the non-performing loan balance, whose debt is well collateralized as of June 30, 2015.

·	Net and gross charge-offs have returned to their low historical rate of .03% on an annualized basis in the first half of 2015.

Real estate values in the Bank’s primary market area have remained stable. Additionally, our primary market area is predominately centered in a natural gas exploration and drilling area, and while the activities associated with this exploration are cyclical, it has provided a positive impact on the value of local real estate.

Bank Owned Life Insurance

The Company purchased bank owned life insurance to offset future employee benefit costs. As of June 30, 2015, the cash surrender value of this life insurance is $20,615,000, which has resulted in income recognized in the first six months of 2015 of $306,000 compared to $242,000 during the comparable period in 2014. The use of life insurance policies provides the Bank with an asset that will generate earnings to partially offset the current costs of benefits and eventually (at the death of the individuals) provides partial recovery of cash outflows associated with the benefits.

Effective January 1, 2015, the Company restructured the agreements so that any death benefits received from a policy while the insured person is an active employee of the Bank will be split with the beneficiary of the policy. Under the restructured agreements, the employee’s beneficiary will be entitled to receive 50% of the net amount at risk from the proceeds. The net amount at risk is the total death benefit payable less the cash surrender value of the policy as of the date of death.

Premises and Equipment

Premises and equipment increased from $12.4 million at December 31, 2014 to $12.6 million at June 30, 2015. This occurred primarily as a result of costs associated with the construction of our branch in Mill Hall, which opened in February 2015.

Deposits

The following table shows the composition of deposits as of June 30, 2015 and December 31, 2014 (dollars in thousands):

	June 30		December 31,
	2015		2014
	Amount	%	Amount	%
Non-interest-bearing deposits	$ 100,469	12.7	$ 95,526	12.3
NOW accounts	236,545	29.9	226,038	29.2
Savings deposits	116,201	14.7	108,252	14.0
Money market deposit accounts	91,615	11.6	95,350	12.3
Certificates of deposit	247,057	31.1	248,767	32.2
Total	$ 791,887	100.0	$ 773,933	100.0


	June 30, 2015/
	December 31, 2014
	Change
	Amount	%
Non-interest-bearing deposits	$ 4,943	5.2
NOW accounts	10,507	4.6
Savings deposits	7,949	7.3
Money market deposit accounts	(3,735)	(3.9)
Certificates of deposit	(1,710)	(0.7)
Total	$ 17,954	2.3

Deposits increased $18.0 million since December 31, 2014. The biggest increase was in NOW accounts, which increased $10.5 million, followed closely by the increase in savings deposit accounts of $7.9 million and non-interest bearing deposits of $4.9 million. The primary drivers of the increase in NOW accounts and Savings accounts is the result of deposits from local government customers and gas related deposits for customers in the Potter County market. The decrease in Money market accounts was attributable to a decrease in local school district deposits. Similar to the prior year, as CD’s mature, some customers are converting the balances to other deposits accounts at the bank. This is occurring as customers are seeking more liquidity during this low rate environment. The Bank currently does not have any outstanding brokered certificates of deposit.

Borrowed Funds

Borrowed funds decreased $2.6 million during the first six months of 2015. The decrease was the result of repaying $10.3 million of overnight borrowings from the FHLB. The repayments were offset by borrowing $4.7 million from the FHLB on a long term basis and $4.0 million on a short term basis. Additionally, there was a decrease of approximately $1.1 million in the balances outstanding under repurchase agreements. The Bank’s current strategy for borrowings is to consider terms and structures to manage interest rate risk and liquidity in a potential rising interest rate environment. The Company's daily cash requirements or short-term investments are primarily met by using the financial instruments available through the Federal Home Loan Bank of Pittsburgh.

In December 2003, the Company formed a special purpose entity, Citizens Financial Statutory Trust I (“the Entity”), to issue $7,500,000 of floating rate obligated mandatory redeemable securities as part of a pooled offering. The rate is determined quarterly based on the 3 month LIBOR plus 2.80%. The Entity may redeem them, in whole or in part, at face value at any time. The Company borrowed the proceeds of the issuance from the Entity in December 2003 in the form of a $7,500,000 note payable, which is included within “Borrowed Funds” in the liabilities section of the Company’s balance sheet. Under current accounting rules, the Company’s minority interest in the Entity was recorded at the initial investment amount and is included in the other assets section of the balance sheet. The Entity is not consolidated as part of the Company’s Consolidated Financial Statements.

Stockholders’ Equity

We evaluate stockholders’ equity in relation to total assets and the risks associated with those assets. The greater the capital resource, the more likely a corporation will meet its cash obligations and absorb unforeseen losses. For these reasons, capital adequacy has been, and will continue to be, of paramount importance. As such, the Company has implemented policies and procedures to ensure that it has adequate capital levels. As part of this process, we routinely stress test our capital levels and identify potential risk and alternative sources of additional capital should the need arise.

Total stockholders’ equity was $103.2 million at June 30, 2015 compared to $100.5 million at December 31, 2014, an increase of $2.7 million or 2.7%. Excluding accumulated other comprehensive income (loss) stockholders’ equity increased $3.3 million, or 3.37%. The Company purchased 18,788 shares of treasury stock at a weighted average cost of $52.59 per share. The Company reissued 3,956 shares as part of the dividend reinvestment program at a weighted average cost of $52.90, 3,340 shares as part of the restricted stock program at a weighted average cost of $52.42 and 1,206 shares as part of an incentive program at a weighted average cost of $52.90. In the first six months of 2015, the Company had net income of $6.3 million and declared cash dividends of $2.5 million, or $0.81 per shares, representing a cash dividend payout ratio of 38.8%.

All of the Company’s investment securities are classified as available-for-sale, making this portion of the Company’s balance sheet more sensitive to the changing market value of investments. As a result of changes in the interest rate environment, accumulated other comprehensive income (loss) associated with the change in investment securities decreased $663,000 from December 31, 2014 and accounts for the majority of the total decrease in accumulated other comprehensive income (loss) of $596,000.

The Company has complied with standards of being well capitalized mandated by the banking regulators. The Company’s primary regulators have established “risk-based” capital requirements designed to measure capital adequacy. Risk-based capital ratios reflect the relative risks associated with various assets entities hold in their portfolios. A weight category of 0% (lowest risk assets), 20%, 50%, or 150% (highest risk assets for the Company and Bank), is assigned to each asset on the balance sheet. The Company’s computed risk-based capital ratios are as follows (dollars in thousands):

	June 30,		December 31,
	2015		2014
Total capital (to risk-weighted assets)	Amount	Ratio	Amount	Ratio
Company	$ 110,485	19.06%	$ 106,891	18.55%
For capital adequacy purposes	46,367	8.00%	46,105	8.00%
To be well capitalized	57,959	10.00%	57,631	10.00%
Tier I capital (to risk-weighted assets)
Company	$ 103,185	17.80%	$ 99,692	17.30%
For capital adequacy purposes	34,775	6.00%	23,053	4.00%
To be well capitalized	46,367	8.00%	34,579	6.00%
Community Equity Tier I capital (to risk-weighted assets)
Company	$ 95,685	16.51%	N/A	N/A
For capital adequacy purposes	26,082	4.50%	N/A	N/A
To be well capitalized	37,673	6.50%	N/A	N/A
Tier I capital (to average assets)
Company	$ 103,185	11.08%	$ 99,692	10.99%
For capital adequacy purposes	37,259	4.00%	36,272	4.00%
To be well capitalized	46,574	5.00%	45,341	5.00%

The Bank’s computed risk-based capital ratios are as follows (dollars in thousands):

	June 30,		December 31,
	2015		2014
Total capital (to risk-weighted assets)	Amount	Ratio	Amount	Ratio
Bank	$ 101,796	17.62%	$ 97,498	16.97%
For capital adequacy purposes	46,217	8.00%	45,969	8.00%
To be well capitalized	57,772	10.00%	57,462	10.00%
Tier I capital (to risk-weighted assets)
Bank	$ 94,656	16.38%	$ 90,500	15.75%
For capital adequacy purposes	34,663	6.00%	22,985	4.00%
To be well capitalized	46,217	8.00%	34,477	6.00%
Community Equity Tier I capital (to risk-weighted assets)
Bank	$ 94,656	16.38%	N/A	N/A
For capital adequacy purposes	41,848	4.50%	N/A	N/A
To be well capitalized	60,447	6.50%	N/A	N/A
Tier I capital (to average assets)
Bank	$ 94,656	10.18%	$ 90,500	10.00%
For capital adequacy purposes	37,198	4.00%	36,218	4.00%
To be well capitalized	46,497	5.00%	45,273	5.00%

Off Balance Sheet Activities

Some financial instruments, such as loan commitments, credit lines, and letters of credit are issued to meet customer financing needs. The contractual amount of financial instruments with off-balance sheet risk was as follows at June 30, 2015 and December 31, 2014 (in thousands):

	June 30, 2015	December 31, 2014
Commitments to extend credit	$ 118,876	$ 108,951
Standby letters of credit	10,024	10,389
	$ 128,900	$ 119,340

We also offer limited overdraft protection as a non-contractual courtesy which is available to demand deposit accounts in good standing. Overdraft charges as a result of ATM withdrawals and one time point of sale (non-recurring) transactions require prior approval of the customer. The non-contractual amount of financial instruments with off-balance sheet risk at June 30, 2015 and December 31, 2014 was $12,373,000 and $12,360,000, respectively. The Company reserves the right to discontinue this service without prior notice.

Liquidity

Liquidity is a measure of the Company's ability to efficiently meet normal cash flow requirements of both borrowers and depositors. To maintain proper liquidity, we use funds management policies, which include liquidity target ratios, along with our investment policies to assure we can meet our financial obligations to depositors, credit customers and stockholders. Liquidity is needed to meet depositors' withdrawal demands, extend credit to meet borrowers' needs, provide funds for normal operating expenses and cash dividends, and to fund other capital expenditures.

Cash generated by operating activities, investing activities and financing activities influences liquidity management. Our Company's historical activity in this area can be seen in the Consolidated Statement of Cash Flows. The most important source of funds is core deposits. Repayment of principal on outstanding loans and cash flows created from the investment portfolio are also factors in liquidity management. Other sources of funding include brokered certificates of deposit and the sale of loans or investments, if needed.

The Company's use of funds is shown in the investing activity section of the Consolidated Statement of Cash Flows, where the net loan activity is presented. Other significant uses of funds include purchasing stock from the Federal Home Loan Bank (FHLB) of Pittsburgh, as well as capital expenditures. Capital expenditures (including software purchases), during the first six months of 2015 were $514,000, primarily related to our Mill Hall branch, compared to $145,000 during the same time period in 2014.

Short-term debt from the FHLB supplements the Bank’s availability of funds. The Bank achieves liquidity primarily from temporary or short-term investments in the Federal Reserve and the FHLB. The Bank has a maximum borrowing capacity at the FHLB of approximately $263.1 million, of which $26.9 million was outstanding at June 30, 2015. Additionally, we have a Federal funds line totaling $10.0 million from a third party bank at market rates. This line is not drawn upon. We also have a borrower in custody line with the Federal Reserve Bank of approximately $8.7 million, which also is not drawn upon as of June 30, 2015. The Company continues to evaluate its liquidity needs and as necessary finds additional sources.

Citizens Financial Services, Inc. is a separate legal entity from the Bank and must provide for its own liquidity. In addition to its operating expenses, Citizens Financial is responsible for paying any dividends declared to its shareholders. Citizens Financial also has repurchased shares of its common stock. Citizens Financial’s primary source of income is dividends received from the Bank. Both federal and state laws impose restrictions on the ability of the Bank to pay dividends. In particular, the Bank may not, as a state-chartered bank which is a member of the Federal Reserve System, declare a dividend without approval of the Federal Reserve, unless the dividend to be declared by the Bank’s Board of Directors does not exceed the total of: (i) the Bank’s net profits for the current year to date, plus (ii) its retained net profits for the preceding two current years, less any required transfers to surplus. The Federal Reserve Board and the FDIC have formal and informal policies which provide that insured banks and bank holding companies should generally pay dividends only out of current operating earnings, with some exceptions. The Prompt Corrective Action Rules, described above, further limit the ability of banks to pay dividends, because banks which are not classified as well capitalized or adequately capitalized may not pay dividends and no dividend may be paid which would make the Bank undercapitalized after the dividend. At June 30, 2015, Citizens Financial Services, Inc. had liquid assets of $7.3 million.

Interest Rate and Market Risk Management

The objective of interest rate sensitivity management is to maintain an appropriate balance between the stable growth of income and the risks associated with maximizing income through interest sensitivity imbalances and the market value risk of assets and liabilities.

Because of the nature of our operations, we are not subject to foreign currency exchange or commodity price risk and, since our Company has no trading portfolio, it is not subject to trading risk. Currently, our Company has equity securities that represent only 0.6% of our investment portfolio and, therefore, equity risk is not significant.

The primary components of interest-sensitive assets include adjustable-rate loans and investments, loan repayments, investment maturities and money market investments. The primary components of interest-sensitive liabilities include maturing certificates of deposit, IRA certificates of deposit and short-term borrowings. Savings deposits, NOW accounts and money market investor accounts are considered core deposits and are not short-term interest sensitive (except for the top-tier money market investor accounts, typically help by local governments, which are paid current market interest rates).

Gap analysis, one of the methods used by us to analyze interest rate risk, does not necessarily show the precise impact of specific interest rate movements on our Company's net interest income because the re-pricing of certain assets and liabilities is discretionary and is subject to competitive and other pressures. In addition, assets and liabilities within the same period may, in fact, be repaid at different times and at different rate levels. We have not experienced the kind of earnings volatility that might be indicated from gap analysis.

The Bank currently uses a computer simulation model to better measure the impact of interest rate changes on net interest income. We use the model as part of our risk management and asset liability management processes that we believe will effectively identify, measure, and monitor the Bank’s risk exposure. In this analysis, the Bank examines the results of movements in interest rates with additional assumptions made concerning prepayment speeds on mortgage loans and mortgage securities. Shock scenarios, which assume a parallel shift in interest rates and is instantaneous, typically have the greatest impact on net interest income. The following is a rate shock analysis and the impact on net interest income as of June 30, 2015 (dollars in thousands):

		Change In	% Change In
	Prospective One-Year	Prospective	Prospective
Changes in Rates	Net Interest Income	Net Interest Income	Net Interest Income

-100 Shock	$ 29,428	$ (267)	(0.90)
Base	29,695	-	-
+100 Shock	28,707	(988)	(3.33)
+200 Shock	27,910	(1,785)	(6.01)
+300 Shock	27,045	(2,650)	(8.92)
+400 Shock	26,061	(3,634)	(12.24)

The model makes estimates, at each level of interest rate change, regarding cash flows from principal repayments on loans and mortgage backed securities, call activity of other investment securities, and deposit selection, re-pricing and maturity structure. Because of these assumptions, actual results could differ significantly from these estimates which would result in significant differences in the calculated projected change on net interest income. Additionally, the changes above do not necessarily represent the level of change under which management would undertake specific measures to realign its portfolio in order to reduce the projected level of change. It should be noted that the changes in net interest income noted above are in line with Bank policy for interest rate risk.

Item 3-Quantitative and Qualitative Disclosure about Market Risk

In the normal course of conducting business activities, the Company is exposed to market risk, principally interest rate risk, through the operations of its banking subsidiary. Interest rate risk arises from market driven fluctuations in interest rates that affect cash flows, income, expense and values of financial instruments and was discussed previously in this Form 10-Q. Management and a committee of the Board of Directors manage interest rate risk (see also “Interest Rate and Market Risk Management”).

Item 4-Control and Procedures

(a) Disclosure Controls and Procedures

The Company’s management, including the Company’s principal executive officer and principal financial officer, have evaluated the effectiveness of the Company’s “disclosure controls and procedures,” as such term is defined in Rule 13a-15(e) promulgated under the Securities Exchange Act of 1934, as amended, (the “Exchange Act”). Based upon their evaluation, the principal executive officer and principal financial officer concluded that, as of the end of the period covered by this report, the Company’s disclosure controls and procedures were effective for the purpose of ensuring that the information required to be disclosed in the reports that the Company files or submits under the Exchange Act with the SEC (1) is recorded, processed, summarized and reported within the time periods specified in the SEC’s rules and forms, and (2) is accumulated and communicated to the Company’s management, including its principal executive and principal financial officers, as appropriate to allow timely decisions regarding required disclosure.

(b) Changes to Internal Control over Financial Reporting

There were no changes in the Company’s internal control over financial reporting during the quarter ended June 30, 2015 that have materially affected, or are reasonable likely to materially affect, the Company’s internal control over financial reporting.

PART II - OTHER INFORMATION

Item 1 - Legal Proceedings

Management is not aware of any litigation that would have a material adverse effect on the consolidated financial position of the Company. Any pending proceedings are ordinary, routine litigation incidental to the business of the Company and its subsidiary. In addition, no material proceedings are pending or are known to be threatened or contemplated against the Company and its subsidiary by government authorities.

Item 1A – Risk Factors

In addition to the other information set forth in this report, you should carefully consider the factors discussed in Part I, “Item 1.A. Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2014, which could materially affect our business, financial condition or future results. At June 30, 2015 the risk factors of the Company have not changed materially from those reported in our Annual Report on Form 10-K. However, the risks described in our Annual Report on Form 10-K are not the only risks that we face. Additional risks and uncertainties not currently known to us or that we currently deem to be immaterial also may materially adversely affect our business, financial condition and/or operating results.

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

ISSUER PURCHASES OF EQUITY SECURITIES
Period	Total Number of Shares (or units Purchased)	Average Price Paid per Share (or Unit)	Total Number of Shares (or Units) Purchased as Part of Publicly Announced Plans of Programs	Maximum Number (or Approximate Dollar Value) of Shares (or Units) that May Yet Be Purchased Under the Plans or Programs (1)

4/1/15 to 4/30/15	-	-	-	54,577
5/1/15 to 5/31/15	364	$48.50	364	54,213
6/1/15 to 6/30/15	-	-	-	54,213
Total	364	$48.50	364	54,577

(1)

On January 17, 2012, the Company announced that the Board of Directors authorized the Company to repurchase up to an additional 140,000 shares. The repurchases will be conducted through open-market purchases or privately negotiated transactions and will be made from time to time depending on market conditions and other factors. No time limit was placed on the duration of the share repurchase program. Any repurchased shares will be held as treasury stock and will be available for general corporate purposes.

Item 3 - Defaults Upon Senior Securities

Not applicable.

Item 4 – Mine Safety Disclosure

Not applicable.

Item 5 - Other Information

None.

Item 6 - Exhibits

(a) The following documents are filed as a part of this report:

	2.1		Agreement and Plan of Merger by and among Citizens Financial Services, Inc., First Citizens Community Bank and The First National Bank of Fredericksburg, dated as of June 30, 2015(1)
	3.1		Articles of Incorporation of Citizens Financial Services, Inc., as amended (2)
	3.2		Bylaws of Citizens Financial Services, Inc.(3)
	4.1		Form of Common Stock Certificate.(4)
	31.1		Rule 13a-14(a)/15d-14(a) Certification of Chief Executive Officer
	31.2		Rule 13a-14(a)/15d-14(a) Certification of Chief Financial Officer
	32.1		Section 1350 Certification of Chief Executive Officer and Chief Financial Officer
	101 **		The following materials from the Company’s Quarterly Report on Form 10-Q for the period ended June 30,2015, formatted in XBRL (Extensible Business Reporting Language): (i) The Consolidated Balance Sheet (unaudited), (ii) the Consolidated Statement of Income (unaudited), (iii) the Consolidated Statement of Comprehensive Income (unaudited), (iv) the Consolidated Statement of Cash Flows (unaudited) and (v) related notes (unaudited).

(1) Incorporated by reference to Exhibit 2.1 to the Company’s Current Report on Form 8-K, as filed with the Commission on July 1, 2015.

(2) Incorporated by reference to Exhibit 3.1 to the Company’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2010, as filed with the Commission on May 12, 2010.

(3) Incorporated by reference to Exhibit 3.2 to the Company’s Current Report on Form 8-K, as filed with the Commission on December 24, 2009.

(4) Incorporated by reference to Exhibit 4 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2005, as filed with the Commission on March 14, 2006.

** Furnished, not filed.

Signatures

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

	Citizens Financial Services, Inc. (Registrant)

August 6, 2015	By:	/s/ Randall E. Black
		Randall E. Black
		President and Chief Executive Officer (Principal Executive Officer)



August 6, 2015	By:	/s/ Mickey L. Jones
		Mickey L. Jones
		Chief Financial Officer (Principal Accounting Officer)

EX-31.1 2 ceocert.htm CERTIFICATION OF CHIEF EXECUTIVE OFFICER ceocert.htm

Exhibit 31.1

Certification of Chief Executive Officer

I, Randall E. Black, certify that:

1. I have reviewed this Form 10-Q of Citizens Financial Services, Inc.;

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

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

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

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

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

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

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

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




August 6, 2015	By:	/s/ Randall E. Black

		Randall E. Black President and Chief Executive Officer (Principal Executive Officer)

EX-31.2 3 cfocert.htm CERTIFICATION OF CHIEF FINANCIAL OFFICER cfocert.htm

Exhibit 31.2

Certification of Chief Financial Officer

I, Mickey L. Jones, certify that:

1. I have reviewed this Form 10-Q of Citizens Financial Services, Inc.;

(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.




August 6, 2015	By:	/s/ Mickey L. Jones

		Mickey L. Jones Chief Financial Officer (Principal Accounting Officer)

EX-32.1 4 certification.htm SECTION 350 CERTIFICATIONS certification.htm

EXHIBIT 32.1

Section 1350 Certification

of Chief Executive Officer and

Chief Financial Officer

In connection with the Quarterly Report of Citizens Financial Services, Inc. (the "Company") on Form 10-Q (the "Report") for the period ending June 30, 2015 as filed with the Securities and Exchange Commission, the undersigned certify, pursuant to 18 U.S.C. Section 1350, as added by 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 as of the dates and for the periods covered in the Report.



August 6, 2015	By:	/s/ Randall E. Black
		Randall E. Black
		President and Chief Executive Officer (Principal Executive Officer)



August 6, 2015	By:	/s/ Mickey L. Jones
		Mickey L. Jones
		Chief Financial Officer (Principal Accounting Officer)

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<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following tables roll forward the balance of the ALLL by portfolio segment for the three and six month periods ended June 30, 2015 and 2014, respectively (in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at March 31, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at June 30, 2015</div></td></tr><tr><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         923</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (17)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         25</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         931</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,699</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (56)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                3</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            33</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,679</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              11</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              3</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              14</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              82</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (17)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                4</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            20</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              89</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,286</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          216</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,502</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            572</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            (4)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            568</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            349</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        (173)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            176</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,922</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (90)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             7</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       120</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,959</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at June 30, 2015</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         878</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (34)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         87</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         931</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,870</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (56)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                7</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        (142)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,679</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              26</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          (12)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              14</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              84</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (24)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              12</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            17</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              89</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,224</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               (1)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          279</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,502</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            545</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            23</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            568</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            188</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          (12)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            176</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,815</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        (115)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           19</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       240</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,959</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 23%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">March 31, </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         886</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            (7)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         879</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         4,530</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (465)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                3</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        (259)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,809</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                8</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              5</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              13</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              83</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               (6)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                6</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              3</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              86</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Commercial and other loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,173</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (163)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          141</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,151</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            396</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            59</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            455</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            157</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          201</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            358</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      7,233</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        (641)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             9</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       150</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,751</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 23%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 23%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2013</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         946</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (45)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       (22)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         879</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         4,558</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (475)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                5</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        (279)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,809</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              50</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          (37)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              13</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            105</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (14)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              15</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          (20)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              86</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Commercial and other loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            942</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (163)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          372</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,151</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            330</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          125</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            455</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            167</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          191</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            358</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      7,098</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        (697)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           20</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       330</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,751</div></td></tr></table></div></div>

2188

3287

2409

7679

1815

1792

206

8494

230

942479000

925048000

44355000

4616000

94444000

27382000

23486000

5025000

36508000

3596000

5434000

505000

60908000

85322000

306146000

304792000

167580000

150885000

105036000

1690000

4849000

13958000

12805000

96282000

26350000

29728000

1775000

306146000

303017000

304456000

1775000

1690000

306146000

304792000

166695000

2229000

18579000

5212000

67011000

2184000

273000

10910000

4849000

43642000

7707000

8584000

110000

31000

134000

617000

1000

302000

21000

4000

19000

263000

2829000

4492000

778000

553000

457000

638000

5603000

3854000

368000

141000

287000

190000

916000

95000

810000

343000

37000

85000

385000

33000

600000

49000

99000

186400000

170900000

28698000

12180000

103519000

7254000

8212000

71024000

113023000

7618000

4889000

71818000

4849000

167737000

343000

99000

49000

33000

810000

95000

600000

916000

85000

37000

385000

3420000

45146000

299792000

101281000

1318000

26096000

167187000

29397000

13853000

12713000

1137000

4944000

93796000

301110000

301459000

150847000

3459000

86675000

83000

782000

80000

490000

95000

12000

18000

193000

80000

33000

84000

11000

303017000

175000

75000

246000

312000

175000

75000

301000

246000

20615000

20309000

242000

154000

121000

306000

10091000

9910000

10912000

11423000

10912000

11423000

10912000

11423000

10083000

15740000

5657000

-511000

5960000

3335000

3335236

0.385

0.405

0.810

0.770

15000000

1.00

1757000

4311000

5713000

8866000

41799000

39194000

21626000

36080000

16593000

39194000

29793000

6287000

41799000

38219000

6000

5000

12000

11000

498000

112000

88000

93000

146000

155000

400000

111000

90000

207000

153000

-84000

41000

71000

-8000

172000

215000

393000

290000

969000

945000

1269000

1198000

36000

38000

71000

76000

78000

63000

132000

153000

773933000

791887000

249221000

774387000

247647000

525166000

792477000

544830000

773933000

791887000

236000

233000

69000

34000

119000

133000

1.06

1.11

2.09

2.15

1.11

1.06

2.15

2.09

P2Y9M29D

355000

94000

87000

194000

215000

Appraised Collateral Values

Discounted Cash Flows

0.2

0.22

0.1709

0.3

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following table provides a listing of the significant unobservable inputs used in the fair value measurement process for items valued utilizing level III techniques.</div><div style="display: block; text-indent: 0pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr><td colspan="6" valign="bottom" style="width: 78%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Quantitative Information about Level 3 Fair Value Measurements</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td valign="bottom" style="border-bottom: black 2px solid; width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Valuation Technique(s)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unobservable input</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Range</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="font-size: 10pt; font-family: times new roman; font-weight: bold; display: inline; width: 17%;"> </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; font-weight: bold; display: inline; width: 8%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 22%;"> </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;"> </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Impaired Loans</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $  206</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discounted Cash Flows</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Change in interest rates</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-5.5%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.21%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  7,679</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-30%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">17.09%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">5%-10%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9.28%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0 - 18 months</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12 months</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other real estate owned</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  1,815</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-20%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">20%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4%-10%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0 - 18 months</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td valign="bottom" style="border-bottom: black 2px solid; width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Valuation Technique(s)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unobservable input</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Range</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Impaired Loans</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $  230</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discounted Cash Flows</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Change in interest rates</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-5.5%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.99%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  8,494</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-30%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">22.00%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4%-10%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">8.55%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0 - 18 months</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">15 months</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other real estate owned</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  1,792</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-20%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">20%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4%-10%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0 - 18 months</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12</div></td></tr></table></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Note 9 – Fair Value Measurements</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;">The Company established a hierarchal disclosure framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined by this hierarchy are as follows:</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr><td align="left" valign="top" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I:</div></td><td align="left" valign="top" style="width: 93%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Quoted prices are available in active markets for identical assets or liabilities as of the reported date.</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr><td align="left" valign="top" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II:</div></td><td align="left" valign="top" style="width: 93%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pricing inputs are other than quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities include items for which quoted prices are available but traded less frequently, and items that are fair valued using other financial instruments, the parameters of which can be directly observed.</div></td></tr></table><div> </div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr><td align="left" valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">  </td><td align="left" valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 93%;">  </td></tr><tr><td align="left" valign="top" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III:</div></td><td align="left" valign="top" style="width: 93%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.</div></td></tr></table></div><div> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality, the Company's creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. Our valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Transfers between levels of the fair value hierarchy are recognized on the actual date of the event or circumstances that caused the transfer, which generally coincides with the Company’s monthly and/or quarterly valuation process.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial Instruments Recorded at Fair Value on a Recurring Basis</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The fair values of securities available for sale are determined by quoted prices in active markets, when available, and classified as Level I. If quoted market prices are not available, the fair value is determined by a matrix pricing, which is a mathematical technique, widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities and classified as Level II. The fair values consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things.</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following tables present the assets and liabilities reported on the Consolidated Balance Sheet at their fair value on a recurring basis as of June 30, 2015 and December 31, 2014 by level within the fair value hierarchy (in thousands). Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Assets</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr><td align="left" valign="top" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Securities available for sale:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     U.S. Agency securities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             167,580</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             167,580</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Obligations of state and</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        political subdivisions</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">96,282</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">96,282</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Corporate obligations</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12,805</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12,805</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgage-backed securities in</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       government sponsored entities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">26,350</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">26,350</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Equity securities in financial</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       institutions</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           1,775</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                            -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,775</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="top" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Securities available for sale:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     U.S. agency securities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             150,885</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             150,885</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     U.S. treasuries securities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4,849</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4,849</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Obligations of state and</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       political subdivisions</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">105,036</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">105,036</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Corporate obligations</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">13,958</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">13,958</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgage-backed securities in</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       government sponsored entities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">29,728</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">29,728</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Equity securities in financial</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       institutions</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           1,690</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                            -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,690</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial Instruments, Non-Financial Assets and Non-Financial Liabilities Recorded at Fair Value on a Nonrecurring Basis</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The Company may be required, from time to time, to measure certain financial assets, financial liabilities, non-financial assets and non-financial liabilities at fair value on a nonrecurring basis in accordance with U.S. generally accepted accounting principles. These include assets that are measured at the lower of cost or market value that were recognized at fair value below cost at the end of the period. Certain non-financial assets measured at fair value on a non-recurring basis include foreclosed assets (upon initial recognition or subsequent impairment).</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;"> Non-financial assets measured at fair value on a non-recurring basis during 2015 and 2014 include certain foreclosed assets which, upon initial recognition, were remeasured and reported at fair value through a charge-off to the allowance for possible loan losses and certain foreclosed assets which, subsequent to their initial recognition, were remeasured at fair value through a write-down included in other non-interest expense.</div><div style="display: block; text-indent: 0pt;"><br /></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><font style="font-weight: bold; font-style: italic; display: inline;">Impaired Loans - </font>Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment using one of several methods, including collateral value, liquidation value and discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. Collateral values are estimated using Level II inputs based on observable market data and Level III inputs based on customized discounting criteria. For a majority of impaired real estate related loans, the Company obtains a current external appraisal. Other valuation techniques are used as well, including internal valuations, comparable property analysis and contractual sales information.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><font style="font-weight: bold; font-style: italic; display: inline;">Other Real Estate owned – </font>Other real estate owned, which is obtained through the Bank’s foreclosure process, is valued utilizing the appraised collateral value. Collateral values are estimated using Level II inputs based on observable market data and Level III inputs based on customized discounting criteria. At the time the foreclosure is completed, the Company obtains an updated external appraisal.</div></td></tr></table></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;"><br /> Assets measured at fair value on a nonrecurring basis as of June 30, 2015 and December 31, 2014 are included in the table below (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Impaired Loans</div></td><td align="left" valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                         -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            7,885</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 7,885</div></td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Other real estate owned</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                            -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,815</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,815</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Impaired Loans</div></td><td align="left" valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                         -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            8,724</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 8,724</div></td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Other real estate owned</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                            -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               1,792</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,792</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following table provides a listing of the significant unobservable inputs used in the fair value measurement process for items valued utilizing level III techniques.</div><div style="display: block; text-indent: 0pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr><td colspan="6" valign="bottom" style="width: 78%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Quantitative Information about Level 3 Fair Value Measurements</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td valign="bottom" style="border-bottom: black 2px solid; width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Valuation Technique(s)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unobservable input</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Range</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="font-size: 10pt; font-family: times new roman; font-weight: bold; display: inline; width: 17%;"> </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; font-weight: bold; display: inline; width: 8%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 22%;"> </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;"> </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Impaired Loans</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $  206</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discounted Cash Flows</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Change in interest rates</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-5.5%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.21%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  7,679</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-30%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">17.09%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">5%-10%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9.28%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0 - 18 months</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12 months</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other real estate owned</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  1,815</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-20%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">20%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4%-10%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0 - 18 months</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td valign="bottom" style="border-bottom: black 2px solid; width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Valuation Technique(s)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unobservable input</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Range</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Impaired Loans</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $  230</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discounted Cash Flows</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Change in interest rates</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-5.5%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.99%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  8,494</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-30%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">22.00%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4%-10%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">8.55%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0 - 18 months</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">15 months</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other real estate owned</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  1,792</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-20%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">20%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4%-10%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0 - 18 months</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The fair values of the Company’s financial instruments are as follows (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 32%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Carrying</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td></tr><tr><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial assets:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash and due from banks</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   10,912</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   10,912</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   10,912</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest bearing time deposits with other banks</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        5,960</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        5,969</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">5,969</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    304,792</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    304,792</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,775</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> 303,017</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans held for sale</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,152</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,152</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,152</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    564,692</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    580,732</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    580,732</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Bank owned life insurance</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,615</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,615</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,615</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Regulatory stock</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,864</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,864</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,864</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest receivable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,584</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,584</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3,584</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 32%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial liabilities:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Deposits</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 791,887</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 792,477</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 544,830</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 247,647</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Borrowed funds</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      39,194</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      36,080</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        6,287</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      29,793</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest payable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           674</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           674</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">674</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 32%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Carrying</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td></tr><tr><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial assets:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash and due from banks</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   11,423</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   11,423</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   11,423</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest bearing time deposits with other banks</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        5,960</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        5,969</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        5,969</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    306,146</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    306,146</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,690</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> 304,456</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans held for sale</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           497</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           497</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           497</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    547,290</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    564,944</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    564,944</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Bank owned life insurance</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,309</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,309</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,309</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Regulatory stock</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,035</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,035</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,035</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest receivable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,644</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,644</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,644</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 32%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial liabilities:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Deposits</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 773,933</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 774,387</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 525,166</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 249,221</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Borrowed funds</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      41,799</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      38,219</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      16,593</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      21,626</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest payable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           756</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           756</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">756</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Fair value is determined based on relevant market information and information about the financial instrument.  These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument.  Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions can significantly affect the estimates.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Fair values have been determined by the Company using historical data, as generally provided in the Company’s regulatory reports, and an estimation methodology suitable for each category of financial instruments. The Company’s fair value estimates, methods and assumptions are set forth below for the Company’s other financial instruments.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash and Cash Equivalents:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The carrying amounts for cash and cash equivalents approximate fair value because they have original maturities of 90 days or less and do not present unanticipated credit concerns.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued Interest Receivable and Payable:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The carrying amounts for accrued interest receivable and payable approximate fair value because they are generally received or paid in 90 days or less and do not present unanticipated credit concerns.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest bearing time deposits with other banks:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The fair value of interest bearing time deposits with other banks is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.</div><div style="display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-For-Sale Securities:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The fair values of securities available for sale are determined by quoted prices in active markets, when available, and classified as Level I. If quoted market prices are not available, the fair value is determined by a matrix pricing, which is a mathematical technique, widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities and classified as Level II. The fair values consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things.</div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans held for sale:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The carrying amount for loans held for sale approximates fair value as the loans are only held for less than a week from origination.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Fair values are estimated for portfolios of loans with similar financial characteristics.  The fair value of performing loans has been estimated by discounting expected future cash flows. The discount rate used in these calculations is derived from the Treasury yield curve adjusted for credit quality, operating expense and prepayment option price, and is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risk inherent in the loan. The estimate of maturity is based on the Company’s historical experience with repayments for each loan classification, modified as required by an estimate of the effect of current economic and lending conditions.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Bank Owned Life Insurance:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The carrying value of bank owned life insurance approximates fair value based on applicable redemption provisions.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Regulatory Stock:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The carrying value of regulatory stock approximates fair value based on applicable redemption provisions.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Deposits:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The fair value of deposits with no stated maturity, such as noninterest-bearing demand deposits, savings and NOW accounts, and money market accounts, is equal to the amount payable on demand. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The deposits’ fair value estimates do not include the benefit that results from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market, commonly referred to as the core deposit intangible.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Borrowed Funds:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Rates available to the Company for borrowed funds with similar terms and remaining maturities are used to estimate the fair value of borrowed funds.</div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div>Assets measured at fair value on a nonrecurring basis as of June 30, 2015 and December 31, 2014 are included in the table below (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Impaired Loans</div></td><td align="left" valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                         -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            7,885</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 7,885</div></td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Other real estate owned</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                            -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,815</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,815</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Impaired Loans</div></td><td align="left" valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                         -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            8,724</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 8,724</div></td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Other real estate owned</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                            -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               1,792</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,792</div></td></tr></table></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The fair values of the Company’s financial instruments are as follows (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 32%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Carrying</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td></tr><tr><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial assets:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash and due from banks</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   10,912</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   10,912</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   10,912</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest bearing time deposits with other banks</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        5,960</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        5,969</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">5,969</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    304,792</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    304,792</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,775</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> 303,017</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans held for sale</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,152</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,152</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,152</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    564,692</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    580,732</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    580,732</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Bank owned life insurance</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,615</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,615</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,615</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Regulatory stock</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,864</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,864</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,864</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest receivable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,584</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,584</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3,584</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 32%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial liabilities:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Deposits</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 791,887</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 792,477</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 544,830</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 247,647</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Borrowed funds</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      39,194</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      36,080</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        6,287</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      29,793</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest payable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           674</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           674</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">674</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 32%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Carrying</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td></tr><tr><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial assets:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash and due from banks</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   11,423</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   11,423</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   11,423</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest bearing time deposits with other banks</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        5,960</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        5,969</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        5,969</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    306,146</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    306,146</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,690</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> 304,456</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans held for sale</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           497</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           497</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           497</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    547,290</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    564,944</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    564,944</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Bank owned life insurance</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,309</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,309</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,309</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Regulatory stock</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,035</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,035</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,035</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest receivable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,644</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,644</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,644</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 32%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial liabilities:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Deposits</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 773,933</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 774,387</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 525,166</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 249,221</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Borrowed funds</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      41,799</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      38,219</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      16,593</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      21,626</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest payable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           756</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           756</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">756</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr></table></div></div>

116000

232000

229000

1590000

1761000

180000

186000

374000

377000

380000

836000

310000

80000

104000

174000

214000

6000

261000

132000

1000

826000

47000

53000

6567000

714000

1118000

780000

152000

676000

69000

5010000

4547000

6599000

4000

6000

3000

12000

3000

19000

5000

7000

20000

9000

15000

7000

19000

71000

28000

19000

153000

71000

28000

153000

19000

153000

163000

24000

1000

115000

56000

7000

641000

475000

56000

6000

14000

163000

17000

90000

17000

465000

45000

697000

34000

5578000

333000

2394000

2248000

316000

8159000

8822000

6112000

6353000

84730000

548954000

12289000

119287000

121635000

8367000

189055000

61779000

189185000

8025000

30514000

562955000

46214000

79717000

24639000

50619000

11065000

60142000

8294000

931000

3870000

176000

545000

14000

89000

26000

188000

878000

568000

1224000

84000

6815000

6959000

1502000

3679000

4530000

157000

349000

11000

396000

82000

886000

8000

946000

7233000

3699000

923000

50000

1286000

4558000

1173000

7098000

6922000

167000

942000

83000

330000

105000

572000

6751000

13000

1151000

3809000

358000

86000

455000

879000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following tables represent credit exposures by internally assigned grades as of June 30, 2015 and December 31, 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pass</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Special </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Mention</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Substandard</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Doubtful</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loss</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Ending Balance</div></td></tr><tr><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          177,073</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           4,390</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  12,220</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                44</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          193,727</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               27,638</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              2,600</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          485</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               30,723</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 8,025</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 8,025</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               45,715</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 817</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       5,443</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 145</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               52,120</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               11,989</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 397</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               12,386</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               84,730</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               84,730</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          355,170</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           8,204</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  18,148</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              189</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          381,711</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 17%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 12%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          169,383</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           8,948</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  12,614</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          190,945</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               19,575</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              3,394</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       1,670</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               24,639</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 6,353</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 6,353</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               40,683</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              4,413</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       2,355</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               47,451</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 9,221</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 727</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       1,117</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               11,065</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               79,717</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               79,717</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          324,932</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         17,482</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  17,756</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   -</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          360,170</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div>The following table presents the recorded investment in those loan classes based on payment activity as of June 30, 2015 and December 31, 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 60%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Non-performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          119,649</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             1,160</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                120,809</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               60,608</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 149</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     60,757</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 8,320</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   54</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       8,374</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          188,577</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           1,363</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                189,940</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          121,968</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              890</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                122,858</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               62,296</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 284</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     62,580</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 8,444</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   53</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       8,497</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          192,708</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           1,227</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                193,935</div></td></tr></table></div></div>

483000

48000

25000

274000

98000

72000

1000

185000

41000

919000

97000

130000

230000

99000

4672000

4000

1432000

5967000

1501000

615000

526000

97000

1115000

2850000

442000

80000

231000

8696000

1237000

822000

30000

114000

866000

675000

1614000

39000

12000

7000

56000

97000

1479000

209000

503000

136000

119000

476000

260000

4034000

1522000

5151000

170000

84000

1760000

801000

502000

524000

395000

1223000

38000

258000

318000

154000

19000

153000

19000

71000

28000

19000

153000

28000

71000

209472000

56122000

185122000

8497000

545283000

8025000

218872000

8374000

6353000

79717000

563492000

84730000

62258000

181233000

26000

6685000

188000

89000

853000

84000

568000

176000

3798000

14000

3631000

1317000

6717000

890000

1223000

545000

1815000

1792000

60000

70000

98000

30000

246000

75000

175000

301000

246000

175000

301000

75000

10256000

65000

66000

1408000

152000

109000

48000

583000

1084000

404000

63000

5000

3000

7000

2000

8000

274000

48000

29000

12000

185000

12000

72000

13000

98000

1000

103000

132000

7544000

200000

5862000

10388000

202000

9998000

5700000

114000

2000000

8039000

15000

259000

8691000

224000

2678000

8878000

15000

2629000

131000

2108000

8822000

8159000

5578000

6112000

125000

270000

2248000

63000

191000

2394000

7885000

8724000

7885000

8724000

2346000

6751000

5469000

125000

8239000

118000

5708000

60000

1164000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;">The following table includes the recorded investment and unpaid principal balances for impaired financing receivables by class, with the associated allowance amount, if applicable (in thousands):</div><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 26%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 26%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unpaid</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 26%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Principal</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">With No</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">With</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Related</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td></tr><tr><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       305</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          118</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          152</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          270</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          29</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            63</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               63</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               63</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             12</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       8,051</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          5,469</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             109</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          5,578</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             48</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       2,354</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          1,164</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          1,084</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          2,248</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           185</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $  10,773</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       6,751</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       1,408</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       8,159</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        274</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 26%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       222</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          125</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            66</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          191</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          13</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          130</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               60</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               65</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             125</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             12</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       8,433</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          5,708</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             404</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          6,112</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             72</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       2,480</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          2,346</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               48</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          2,394</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               1</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $  11,265</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       8,239</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          583</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       8,822</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          98</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"> </div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: inline;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: inline;">The following tables includes the average balance of impaired financing receivables by class and the income recognized on impaired loans for the three and six month periods ended June 30, 2015 and 2014(in thousands):</div></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td colspan="6" valign="bottom" style="width: 55%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> For the Six Months ended</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 27%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash Basis</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash Basis</div></td></tr><tr><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       224</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              4</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              5</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          202</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            4</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          114</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 2</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             132</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               2</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       5,862</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               32</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          8,039</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             44</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               15</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       2,678</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               49</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 3</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          2,000</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             46</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   subdivision loans</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    8,878</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            87</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              8</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     10,388</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          96</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td colspan="6" valign="bottom" style="width: 55%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> For the Three Months Ended</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 27%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2014</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       259</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              2</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              5</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          200</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            2</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          103</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             131</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       5,700</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               19</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          7,544</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             18</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               15</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       2,629</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               24</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 2</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          2,108</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             13</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   subdivision loans</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    8,691</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            46</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              7</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       9,998</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          34</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td></tr></table></div></div>

11265000

130000

10773000

8051000

2354000

305000

2480000

222000

8433000

63000

2000

46000

4000

87000

46000

24000

1000

4000

13000

96000

2000

18000

49000

1000

34000

44000

19000

2000

32000

2000

3968000

4255000

7828000

8283000

779000

890000

1519000

1742000

-4000

102000

26000

84000

-35000

59000

-19000

-9000

2025000

1885000

17140000

17954000

-171000

-60000

-81000

-160000

405

1064

534

927

756000

674000

1207000

1239000

2391000

2508000

8889000

8768000

17670000

17539000

7129000

7118000

14168000

14106000

1035000

1094000

2199000

2044000

145000

172000

309000

347000

7561000

7650000

15148000

15162000

7441000

7500000

14908000

14832000

765000

849000

1519000

1737000

2472000

2668000

840000

801000

1682000

1649000

3584000

3644000

691418000

678407000

39000

13000

26000

70000

1332000

1002000

255000

137000

257000

382000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div>The amortized cost and fair value of debt securities at June 30, 2015, by contractual maturity, are shown below (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 60%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 25%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font><font style="letter-spacing: 9pt;">   </font> Amortized</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 25%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font><font style="letter-spacing: 9pt;">   </font> Cost</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font><font style="letter-spacing: 9pt;">   </font> Fair Value</div></td></tr><tr><td align="left" valign="bottom" style="width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale debt securities:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Due in one year or less</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        3,420</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               3,459</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Due after one year through five years</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       166,695</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              167,737</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Due after five years through ten years</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         44,355</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                45,146</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Due after ten years</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         85,322</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                86,675</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    299,792</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           303,017</div></td></tr></table></div></div>

2993000

2893000

5810000

6049000

13000

102000

54000

25000

839254000

824520000

942479000

925048000

64506000

58516000

84730000

6353000

8497000

181566000

79717000

8374000

215584000

8025000

224450000

554105000

571651000

185438000

8025000

11065000

52120000

60757000

190945000

62580000

12386000

6353000

47451000

193727000

120809000

30723000

122858000

24639000

6815000

6959000

564692000

547290000

1152000

497000

1152000

497000

1152000

497000

1152000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Note 5 – Loans</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The Company grants loans primarily to customers throughout North Central Pennsylvania and Southern New York.  Although the Company had a diversified loan portfolio at June 30, 2015 and December 31, 2014, a substantial portion of its debtors’ ability to honor their contracts is dependent on the economic conditions within these regions. The following table summarizes the primary segments of the loan portfolio and how those segments are analyzed within the allowance for loan losses as of June 30, 2015 and December 31, 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> Total Loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Individually </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Collectively </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for</div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> impairment</div></td></tr><tr><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 181,566</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                        333</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 181,233</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    224,450</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        5,578</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    218,872</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,025</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,025</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,374</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,374</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      64,506</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        2,248</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      62,258</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      84,730</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      84,730</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    571,651</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     8,159</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 563,492</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance for loan losses</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,959</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 564,692</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 26%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 14%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 185,438</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                        316</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 185,122</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    215,584</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,112</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    209,472</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,353</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,353</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,497</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,497</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      58,516</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        2,394</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      56,122</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      79,717</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      79,717</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    554,105</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     8,822</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 545,283</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance for loan losses</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,815</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 547,290</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The segments of the Company’s loan portfolio are disaggregated into classes to a level that allows management to monitor risk and performance. Residential real estate mortgages consists primarily of 15 to 30 year first mortgages on residential real estate, while residential real estate home equity loans are consumer purpose installment loans or lines of credit secured by a mortgage which is often a second lien on residential real estate with terms of 15 years or less. Commercial real estate loans are business purpose loans secured by a mortgage on commercial real estate. Agricultural real estate loans are loans secured by a mortgage on real estate used in agriculture production. Construction real estate loans are loans secured by residential or commercial real estate used during the construction phase of residential and commercial projects. Consumer loans are typically unsecured or primarily secured by assets other than real estate and overdraft lines of credit are typically secured by customer deposit accounts. Other commercial loans are loans for commercial purposes primarily secured by non-real estate collateral. Other agricultural loans are loans for agricultural purposes primarily secured by non-real estate collateral. State and political subdivision loans are loans to state and local municipalities for capital and operating expenses or tax free loans used to finance commercial development.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Management considers commercial loans, other agricultural loans, state and political subdivision loans, commercial real estate loans and agricultural real estate loans which are 90 days or more past due to be impaired. Management will also consider a loan impaired based on other factors it becomes aware of, including the customer’s results of operations and cash flows or if the loan is modified in a troubled debt restructuring. In addition, certain residential mortgages, home equity and consumer loans that are cross collateralized with commercial relationships that are determined to be impaired may also be classified as impaired. Impaired loans are analyzed to determine if it is probable that all amounts will not be collected according to the contractual terms of the loan agreement. If management determines that the value of the impaired loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allocation of the allowance for loan losses or a charge-off to the allowance for loan losses.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;">The following table includes the recorded investment and unpaid principal balances for impaired financing receivables by class, with the associated allowance amount, if applicable (in thousands):</div><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 26%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 26%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unpaid</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 26%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Principal</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">With No</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">With</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Related</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td></tr><tr><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       305</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          118</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          152</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          270</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          29</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            63</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               63</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               63</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             12</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       8,051</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          5,469</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             109</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          5,578</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             48</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       2,354</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          1,164</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          1,084</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          2,248</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           185</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $  10,773</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       6,751</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       1,408</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       8,159</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        274</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 26%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       222</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          125</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            66</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          191</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          13</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          130</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               60</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               65</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             125</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             12</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       8,433</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          5,708</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             404</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          6,112</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             72</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       2,480</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          2,346</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               48</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          2,394</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               1</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $  11,265</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       8,239</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          583</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       8,822</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          98</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"> </div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: inline;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: inline;">The following tables includes the average balance of impaired financing receivables by class and the income recognized on impaired loans for the three and six month periods ended June 30, 2015 and 2014(in thousands):</div></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td colspan="6" valign="bottom" style="width: 55%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> For the Six Months ended</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 27%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash Basis</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash Basis</div></td></tr><tr><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       224</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              4</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              5</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          202</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            4</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          114</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 2</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             132</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               2</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       5,862</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               32</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          8,039</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             44</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               15</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       2,678</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               49</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 3</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          2,000</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             46</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   subdivision loans</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    8,878</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            87</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              8</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     10,388</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          96</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td colspan="6" valign="bottom" style="width: 55%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> For the Three Months Ended</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 27%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2014</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       259</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              2</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              5</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          200</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            2</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          103</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             131</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       5,700</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               19</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          7,544</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             18</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               15</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       2,629</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               24</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 2</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          2,108</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             13</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   subdivision loans</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    8,691</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            46</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              7</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       9,998</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          34</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Credit Quality Information</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">For commercial real estate, agricultural real estate, construction, other commercial, other agricultural and state and political subdivision loans, management uses a nine grade internal risk rating system to monitor credit quality. The first five categories are considered not criticized and are aggregated as “Pass” rated. The criticized rating categories utilized by management generally follow bank regulatory definitions. The definitions of each rating are defined below:</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Pass (Grades 1-5) – These loans are to customers with credit quality ranging from an acceptable to very high quality and are protected by the current net worth and paying capacity of the obligor or by the value of the underlying collateral.</div></td></tr></table></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Special Mention (Grade 6) – This loan grade is in accordance with regulatory guidance and includes loans where a potential weakness or risk exists, which could cause a more serious problem if not corrected.</div></td></tr></table></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Substandard (Grade 7) – This loan grade is in accordance with regulatory guidance and includes loans that have a well-defined weakness based on objective evidence and be characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.</div></td></tr></table></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Doubtful (Grade 8) – This loan grade is in accordance with regulatory guidance and includes loans that have all the weaknesses inherent in a substandard asset. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances.</div></td></tr></table></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Loss (Grade 9) – This loan grade is in accordance with regulatory guidance and includes loans that are considered uncollectible, or of such value that continuance as an asset is not warranted.</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay the loan as agreed, the Company’s loan rating process includes several layers of internal and external oversight. The Company’s loan officers are responsible for the timely and accurate risk rating of the loans in each of their portfolios at origination and on an ongoing basis under the supervision of management.  All commercial and agricultural loans are reviewed annually to ensure the appropriateness of the loan grade. In addition, the Company engages an external consultant on at least an annual basis to 1) review a minimum of 55% of the dollar volume of the commercial loan portfolio on an annual basis, 2) review new loans originated for over $1.0 million in the last year, 3) review a majority of borrowers with commitments greater than or equal to $1.0 million,  4) review selected loan relationships over $750,000 which are over 30 days past due, classified Special Mention, Substandard, Doubtful, or Loss, and 5) such other loans which management or the consultant deems appropriate.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following tables represent credit exposures by internally assigned grades as of June 30, 2015 and December 31, 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pass</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Special </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Mention</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Substandard</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Doubtful</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loss</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Ending Balance</div></td></tr><tr><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          177,073</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           4,390</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  12,220</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                44</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          193,727</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               27,638</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              2,600</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          485</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               30,723</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 8,025</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 8,025</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               45,715</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 817</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       5,443</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 145</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               52,120</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               11,989</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 397</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               12,386</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               84,730</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               84,730</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          355,170</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           8,204</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  18,148</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              189</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          381,711</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 17%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 12%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          169,383</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           8,948</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  12,614</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          190,945</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               19,575</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              3,394</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       1,670</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               24,639</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 6,353</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 6,353</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               40,683</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              4,413</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       2,355</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               47,451</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 9,221</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 727</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       1,117</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               11,065</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               79,717</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               79,717</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          324,932</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         17,482</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  17,756</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   -</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          360,170</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">For residential real estate mortgages, home equity and consumer loans, credit quality is monitored based on whether the loan is performing or non-performing, which is typically based on the aging status of the loan and payment activity, unless a specific action, such as bankruptcy, repossession, death or significant delay in payment occurs to raise awareness of a possible credit event. Non-performing loans include those loans that are considered nonaccrual, described in more detail below and all loans past due 90 or more days and still accruing. The following table presents the recorded investment in those loan classes based on payment activity as of June 30, 2015 and December 31, 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 60%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Non-performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          119,649</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             1,160</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                120,809</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               60,608</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 149</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     60,757</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 8,320</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   54</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       8,374</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          188,577</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           1,363</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                189,940</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          121,968</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              890</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                122,858</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               62,296</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 284</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     62,580</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 8,444</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   53</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       8,497</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          192,708</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           1,227</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                193,935</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Aging Analysis of Past Due Financing Receivables</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following table includes an aging analysis of the recorded investment of past due financing receivables as of June 30, 2015 and December 31, 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 18%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">90 Days or</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 18%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">30-59 Days</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">60-89 Days</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">90 Days</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Past</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Financing</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Greater and</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Past Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Past Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Or Greater</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Current</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Receivables</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accruing</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        502</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        154</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        866</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,522</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   119,287</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           120,809</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            380</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           395</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             84</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           136</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           615</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        60,142</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                60,757</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 80</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           114</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           524</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        4,034</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        4,672</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      189,055</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              193,727</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               104</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             39</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           170</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           209</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        30,514</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                30,723</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          8,025</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  8,025</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             38</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             30</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             12</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             80</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          8,294</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  8,374</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   1</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           526</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             56</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           919</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,501</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        50,619</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                52,120</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               261</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             97</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             97</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        12,289</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                12,386</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        84,730</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                84,730</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="text-align: left; width: 18%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,614</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,115</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,967</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     8,696</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   562,955</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           571,651</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            826</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans considered non-accrual</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        524</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        496</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,141</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     6,161</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          406</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               6,567</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">  </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans still accruing</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,090</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           619</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           826</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,535</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      562,549</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              565,084</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="text-align: left; width: 18%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,614</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,115</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,967</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     8,696</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   562,955</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           571,651</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 18%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">  </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 10%;">  </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        318</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        230</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        675</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,223</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   121,635</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           122,858</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            214</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           442</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             99</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           260</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           801</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        61,779</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                62,580</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               132</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             97</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           231</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,432</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,760</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      189,185</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              190,945</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               310</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        24,639</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                24,639</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          6,353</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  6,353</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           119</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               4</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               7</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           130</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          8,367</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  8,497</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   6</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           503</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           258</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           476</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,237</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        46,214</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                47,451</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               174</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        11,065</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                11,065</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        79,717</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                79,717</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="text-align: left; width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,479</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        822</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     2,850</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,151</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   548,954</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           554,105</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            836</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans considered non-accrual</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          48</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        181</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     2,014</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     2,243</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       4,356</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               6,599</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">  </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans still accruing</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,431</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           641</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           836</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,908</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      544,598</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              547,506</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="text-align: left; width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,479</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        822</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     2,850</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,151</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   548,954</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           554,105</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: left; width: 10%;">  </td></tr></table></div><div style="display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Nonaccrual Loans</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Loans are considered for non-accrual status upon reaching 90 days delinquency, although the Company may be receiving partial payments of interest and partial repayments of principal on such loans or if full payment of principal and interest is not expected. Additionally, if management is made aware of other information including bankruptcy, repossession, death, or legal proceedings, the loan may be placed on non-accrual status. If a loan is 90 days or more past due and is well secured and in the process of collection, it may still be considered accruing.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following table reflects the financing receivables on non-accrual status as of June 30, 2015 and December 31, 2014, respectively. The balances are presented by class of financing receivable (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 60%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font><font style="letter-spacing: 9pt;">   </font> June 30, 2015</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font><font style="letter-spacing: 9pt;">   </font> December 31, 2014</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                780</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   676</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     69</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      152</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                4,547</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   5,010</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        -</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        -</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     53</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        47</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                1,118</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      714</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        -</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="padding-bottom: 2px; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             6,567</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                6,599</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Troubled Debt Restructurings</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">In situations where, for economic or legal reasons related to a borrower's financial difficulties, management may grant a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a Troubled Debt Restructuring (TDR). Management strives to identify borrowers in financial difficulty early and work with them to modify more affordable terms before their loan reaches nonaccrual status. These modified terms may include rate reductions, principal forgiveness, payment forbearance and other actions intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. In cases where borrowers are granted new terms that provide for a reduction of interest or principal, or both, management measures any impairment on the restructuring by calculating the present value of the revised loan terms and comparing this balance to the Company’s investment in the loan prior to the restructuring. As these loans are individually evaluated, they are excluded from pooled portfolios when calculating the allowance for loan and lease losses and a separate allocation within the allowance for loan and lease losses is provided. Management continually evaluates loans that are considered TDRs, including payment history under the modified loan terms, the borrower’s ability to continue to repay the loan based on continued evaluation of their operating results and cash flows from operations.  Based on this evaluation management would no longer consider a loan to be a TDR when the relevant facts support such a conclusion. As of June 30, 2015 and December 31, 2014, included within the allowance for loan losses are reserves of $41,000 and $26,000 respectively, that are associated with loans modified as TDRs.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Loan modifications that are considered TDRs completed during the three and six months ended June 30, 2015 and 2014 were as follows (dollars in thousands):</div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="6" valign="bottom" style="width: 71%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Three Months Ended June 30, 2015</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of contracts</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pre-modification Outstanding </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded Investment</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 20%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Post-Modification </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Outstanding Recorded </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px; width: 16%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  $                  19</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  $              19</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  19</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              19</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="6" valign="bottom" style="width: 70%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Six Months Ended June 30, 2015</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of contracts</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pre-modification Outstanding</div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> Recorded Investment</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Post-Modification </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Outstanding Recorded </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px; width: 16%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 71</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  19</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               71</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  $               19</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 71</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  19</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               71</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               19</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="6" valign="bottom" style="width: 71%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Three Months Ended June 30, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of contracts</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pre-modification Outstanding </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded Investment</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Post-Modification Outstanding </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded Investment</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px; width: 16%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                28</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$             28</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                28</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             28</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="6" valign="bottom" style="width: 71%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Six Months Ended June 30, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of contracts</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pre-modification Outstanding </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded Investment</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Post-Modification Outstanding </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded Investment</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> Modification</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px; width: 16%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                153</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$             153</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                         2</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                153</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             153</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Recidivism, or the borrower defaulting on its obligation pursuant to a modified loan, results in the loan once again becoming a non-accrual loan. Recidivism occurs at a notably higher rate than do defaults on new origination loans, so modified loans present a higher risk of loss than do new origination loans. The following table presents the recorded investment in loans that were modified as TDRs during each 12-month period prior to the current reporting periods, which begin January 1, 2015 and 2014 (six month periods) and April 1, 2015 and 2014 (3 month periods), respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):</div><div style="display: block; text-indent: 0pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td colspan="4" valign="bottom" style="width: 40%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Three Months Ended</div></td><td colspan="4" valign="bottom" style="width: 40%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Six Months Ended</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2014</div></td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td></tr><tr><td align="left" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px; width: 13%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              483</div></td></tr><tr><td align="left" valign="bottom" style="width: 13%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total recidivism</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              483</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; display: block; text-indent: 0pt;">Allowance for Loan Losses</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following table segregates the allowance for loan losses (ALLL) into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of June 30,2015 and December 31, 2014, respectively (in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 31%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 31%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> December 31, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Individually </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Collectively </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Individually evaluated for impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Collectively </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           41</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         890</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         931</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           25</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           853</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             878</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              48</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,631</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3,679</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              72</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           3,798</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             3,870</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              14</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">14</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                26</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  26</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              89</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">89</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                84</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  84</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            185</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,317</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,502</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                1</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           1,223</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             1,224</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            568</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">568</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              545</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                545</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            176</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">176</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              188</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                188</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         274</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,685</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,959</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           98</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        6,717</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          6,815</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following tables roll forward the balance of the ALLL by portfolio segment for the three and six month periods ended June 30, 2015 and 2014, respectively (in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at March 31, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at June 30, 2015</div></td></tr><tr><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         923</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (17)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         25</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         931</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,699</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (56)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                3</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            33</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,679</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              11</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              3</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              14</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              82</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (17)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                4</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            20</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              89</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,286</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          216</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,502</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            572</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            (4)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            568</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            349</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        (173)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            176</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,922</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (90)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             7</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       120</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,959</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at June 30, 2015</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         878</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (34)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         87</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         931</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,870</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (56)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                7</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        (142)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,679</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              26</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          (12)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              14</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              84</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (24)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              12</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            17</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              89</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,224</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               (1)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          279</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,502</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            545</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            23</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            568</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            188</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          (12)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            176</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,815</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        (115)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           19</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       240</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,959</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 23%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">March 31, </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         886</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            (7)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         879</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         4,530</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (465)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                3</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        (259)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,809</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                8</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              5</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              13</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              83</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               (6)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                6</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              3</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              86</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Commercial and other loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,173</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (163)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          141</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,151</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            396</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            59</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            455</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            157</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          201</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            358</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      7,233</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        (641)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             9</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       150</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,751</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 23%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 23%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2013</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         946</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (45)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       (22)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         879</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         4,558</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (475)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                5</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        (279)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,809</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              50</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          (37)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              13</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            105</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (14)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              15</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          (20)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              86</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Commercial and other loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            942</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (163)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          372</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,151</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            330</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          125</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            455</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            167</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          191</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            358</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      7,098</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        (697)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           20</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       330</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,751</div></td></tr></table></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The Company allocates the ALLL based on the factors described below, which conform to the Company’s loan classification policy and credit quality measurements. In reviewing risk within the Company’s loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The ALLL consists of amounts applicable to: (i) residential real estate loans; (ii) residential real estate home equity loans; (iii) commercial real estate loans; (iv) agricultural real estate loans; (v) real estate construction loans; (vi) other commercial and agricultural loans; (vii) consumer loans; (viii) other agricultural loans and (ix) state and political subdivision loans. Factors considered in this process include general loan terms, collateral, and availability of historical data to support the analysis. Historical loss percentages are calculated and used as the basis for calculating allowance allocations. Certain qualitative factors are evaluated to determine additional inherent risks in the loan portfolio, which are not necessarily reflected in the historical loss percentages. These factors are then added to the historical allocation percentage to get the adjusted factor to be applied to non-classified loans. The following qualitative factors are analyzed:</div><div style="display: block; text-indent: 0pt;"><br /></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Level of and trends in delinquencies, impaired/classified loans</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Wingdings; display: inline;"> </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Change in volume and severity of past due loans</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Wingdings; display: inline;"> </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Volume of non-accrual loans</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Wingdings; display: inline;"> </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Volume and severity of classified, adversely or graded loans;</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Level of and trends in charge-offs and recoveries;</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Trends in volume, terms and nature of the loan portfolio;</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Effects of any changes in risk selection and underwriting standards and any other changes in lending and recovery policies, procedures and practices;</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Changes in the quality of the Company’s loan review system;</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Experience, ability and depth of lending management and other relevant staff;</div></td></tr></table></div><div> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">National, state, regional and local economic trends and business conditions</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Wingdings; display: inline;"> </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">General economic conditions</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Wingdings; display: inline;"> </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Unemployment rates</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Wingdings; display: inline;"> </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Inflation rate/ Consumer Price Index</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Wingdings; display: inline;"> </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Changes in values of underlying collateral for collateral-dependent loans;</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Industry conditions including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses; and</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Existence and effect of any credit concentrations, and changes in the level of such concentrations; and</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Any change in the level of board oversight.</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The Company also maintains an unallocated allowance to account for any factors or conditions that may cause a potential loss but are not specifically addressed in the process described above. The Company analyzes its loan portfolio each quarter to determine the appropriateness of its ALLL.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Loans determined to be TDRs are impaired and for purposes of estimating the ALLL must be individually evaluated for impairment. In calculating the impairment, the Company calculates the present value utilizing an analysis of discounted cash flows. If the present value calculated is below the recorded investment of the loan, impairment is recognized by a charge to the provision for loan and lease losses and a credit to the ALLL.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;"><br /> <font style="font-size: 10pt; font-family: Times New Roman; display: inline;">We continually review the model utilized in calculating the required ALLL. The following qualitative factors experienced changes during the first six months of 2015:</font></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all loan categories due to an increase in the unemployment rates in the local economy during the first six months of 2015.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the amount of loans classified as substandard.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial and agricultural loans due to an increase in the amount of loans classified as substandard.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for levels of and trends in charge-offs and recoveries was decreased for commercial and agricultural real estate and other commercial and agricultural loans due to the decrease in charge-offs compared to the prior year as charge-offs returned to historical levels for the Bank.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for commercial real estate, agricultural real estate, other commercial and other agricultural loans due to the length of time employees involved throughout the loan process have been in their positions.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for industry conditions, including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses was increased for commercial and agricultural related loans due to the decrease in the price received for product sold and the increase in feed costs that has occurred in 2015, which negatively affected customer earnings.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for levels of and trends in charge-offs and recoveries was increased for residential real estate loans due to the increase in charge-offs compared to historical norms for the Company.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was increased for residential mortgages due to increases in the amount of delinquent loans.</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following qualitative factors experienced changes during the three months ended June 30, 2015:</div><div style="display: block; text-indent: 0pt;"><br /></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the amount of loans classified as substandard.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial and agricultural loans due to an increase in the amount of loans classified as substandard.</div></td></tr></table></div><div> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for levels of and trends in charge-offs and recoveries was decreased for commercial and agricultural real estate and other commercial and agricultural loans due to the decrease in charge-offs compared to the prior year as charge-offs returned to historical levels for the Bank.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for all commercial real estate, agricultural real estate, other commercial and other agricultural loans due to the length of time employees involved throughout the loan process have been in their positions.</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The primary factor that resulted in negative provision for commercial and agricultural loans for the six month period ended June 30, 2015 was the reduction in the amount of special mention and substandard loans since December 31, 2014.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following qualitative factors experienced changes during the first six months of 2014:</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for all loan categories due to a decrease in the unemployment rates in the local economy.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the Company’s classified loans to its lowest level in three years.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial and agricultural loans due to an increase in classified loans during the quarter.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for levels of and trends in charge-offs and recoveries was increased for commercial and agricultural real estate and other commercial and agricultural loans due to the increase in charge-offs compared to historical norms for the Bank.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for all loan categories due to the length of time employees involved throughout the loan process have been in their positions.</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following qualitative factors experienced changes during the three months ended June 30, 2014:</div><div style="display: block; text-indent: 0pt;"><br /></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for all loan categories due to a decrease in the unemployment rates in the local economy.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for levels of and trends in charge-offs and recoveries was increased for commercial and agricultural real estate and other commercial and agricultural loans due to the increase in charge-offs compared to historical norms for the Bank.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for all loan categories due to the length of time employees involved throughout the loan process have been in their positions.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the Company’s classified loans.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial and agricultural loans due to an increase in classified loans during the quarter.</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The primary factor that resulted in negative provisions for certain portfolio segments for the three and six month periods ended June 30, 2014 was due to decreases in the outstanding balances for certain portfolio segments compared to December 31, 2013, a reduction in the amount of substandard loans and the decrease in the qualitative factor associated with the improvement in unemployment rates noted above.</div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Foreclosed Assets Held For Sale</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Foreclosed assets acquired in settlement of loans are carried at fair value, less estimated costs to sell, and are included in other assets on the Consolidated Balance Sheet. As of June 30, 2015 and December 31, 2014 included with other assets are $1,815,000 and 1,792,000, respectively, of foreclosed assets. As of June 30, 2015, included within the foreclosed assets is $422,000 of consumer residential mortgages that were foreclosed on or received via a deed in lieu transaction prior to the period end. As of June 30, 2015, the Company has initiated formal foreclosure proceeds on $1,329,000 of consumer residential mortgages, which have not yet been transferred into foreclosed assets.</div></div>

564944000

580732000

564944000

564692000

580732000

547290000

8393000

-18058000

5448000

6851000

3365000

6309000

3189000

6541000

40000

-67000

146000

132000

-9000

116000

-16000

81000

49000

-35000

199000

162000

-9587000

12099000

5000000

5428000

10763000

10091000

103000

104000

209000

218000

1755000

1955000

3542000

3683000

100469000

95526000

397000

189000

8444000

360170000

1160000

17482000

27638000

6353000

47451000

5443000

44000

54000

2600000

1117000

8497000

727000

11065000

169383000

381711000

18148000

193935000

12614000

4413000

122858000

8948000

11989000

52120000

890000

145000

324932000

8204000

188577000

62580000

79717000

8025000

121968000

3394000

8374000

192708000

8320000

190945000

84730000

24639000

79717000

62296000

189940000

2355000

6353000

30723000

120809000

45715000

485000

12386000

60757000

119649000

12220000

60608000

84730000

53000

40683000

1363000

149000

817000

1670000

17756000

177073000

4390000

284000

1227000

9221000

193727000

355170000

19575000

348000

304000

717000

654000

26000

59000

84000

102000

75000

175000

246000

301000

-1432000

-663000

2325000

9000

937000

946000

-1467000

16000

2309000

-596000

35000

67000

-19000

-4000

-35000

-9000

2471000

986000

2471000

-1351000

-464000

986000

-1351000

-464000

-102000

-54000

-13000

-25000

7166000

7934000

-1107000

-1158000

508000

-698000

1272000

-240000

-2049000

1494000

3743000

-704000

8032000

7499000

1088000

1218000

1194000

1504000

2378000

2737000

422000

1815000

1792000

946000

-1432000

2325000

-596000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div>The following table includes an aging analysis of the recorded investment of past due financing receivables as of June 30, 2015 and December 31, 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 18%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">90 Days or</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 18%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">30-59 Days</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">60-89 Days</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">90 Days</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Past</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Financing</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Greater and</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Past Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Past Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Or Greater</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Current</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Receivables</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accruing</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        502</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        154</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        866</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,522</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   119,287</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           120,809</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            380</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           395</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             84</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           136</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           615</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        60,142</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                60,757</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 80</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           114</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           524</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        4,034</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        4,672</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      189,055</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              193,727</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               104</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             39</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           170</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           209</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        30,514</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                30,723</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          8,025</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  8,025</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             38</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             30</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             12</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             80</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          8,294</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  8,374</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   1</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           526</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             56</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           919</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,501</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        50,619</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                52,120</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               261</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             97</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             97</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        12,289</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                12,386</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        84,730</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                84,730</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="text-align: left; width: 18%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,614</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,115</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,967</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     8,696</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   562,955</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           571,651</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            826</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans considered non-accrual</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        524</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        496</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,141</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     6,161</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          406</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               6,567</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">  </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans still accruing</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,090</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           619</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           826</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,535</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      562,549</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              565,084</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="text-align: left; width: 18%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,614</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,115</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,967</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     8,696</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   562,955</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           571,651</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 18%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">  </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 10%;">  </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        318</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        230</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        675</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,223</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   121,635</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           122,858</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            214</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           442</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             99</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           260</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           801</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        61,779</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                62,580</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               132</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             97</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           231</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,432</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,760</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      189,185</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              190,945</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               310</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        24,639</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                24,639</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          6,353</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  6,353</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           119</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               4</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               7</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           130</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          8,367</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  8,497</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   6</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           503</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           258</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           476</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,237</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        46,214</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                47,451</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               174</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        11,065</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                11,065</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        79,717</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                79,717</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="text-align: left; width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,479</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        822</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     2,850</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,151</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   548,954</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           554,105</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            836</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans considered non-accrual</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          48</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        181</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     2,014</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     2,243</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       4,356</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               6,599</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">  </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans still accruing</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,431</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           641</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           836</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,908</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      544,598</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              547,506</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="text-align: left; width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,479</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        822</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     2,850</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,151</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   548,954</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           554,105</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: left; width: 10%;">  </td></tr></table></div></div>

7479000

5286000

17792000

113000

733000

997000

1484000

1342000

514000

145000

2253000

2137000

33822000

49579000

1.00

3000000

1513000

2216000

-23667000

-7340000

5286000

4010000

29294000

31163000

100000

296000

5089000

6922000

12151000

18393000

3770000

6595000

208000

180000

442000

412000

12582000

12357000

141000

330000

125000

-142000

279000

59000

150000

3000

-279000

372000

-22000

5000

-12000

-37000

25000

17000

20000

120000

23000

-4000

216000

-259000

240000

87000

-20000

33000

3000

201000

-173000

-12000

191000

120000

240000

330000

150000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div>The gross gains and losses were as follows (in thousands):</div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 60%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td colspan="2" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font><font style="letter-spacing: 9pt;">   </font><font style="letter-spacing: 9pt;">   </font> Three Months Ended</div></td><td colspan="2" valign="bottom" style="width: 42%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font><font style="letter-spacing: 9pt;">   </font> Six Months Ended</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td colspan="2" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font>  <font style="letter-spacing: 9pt;">   </font> June 30,</div></td><td colspan="2" valign="bottom" style="width: 42%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font><font style="letter-spacing: 9pt;">   </font>  June 30,</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 19%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font><font style="letter-spacing: 9pt;">   </font> 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font><font style="letter-spacing: 9pt;">   </font> 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font><font style="letter-spacing: 9pt;">   </font> 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> 2014</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Gross gains</div></td><td valign="bottom" style="text-align: right; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           175</div></td><td valign="bottom" style="text-align: right; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    75</div></td><td valign="bottom" style="text-align: right; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              312</div></td><td valign="bottom" style="text-align: right; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              246</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Gross losses</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 (11)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net gains</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           175</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    75</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              301</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              246</div></td></tr></table></div></div>

-16000

199000

-9000

49000

116000

162000

40000

146000

-35000

81000

-67000

132000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: inline;">The following table presents the significant amounts reclassified out of each component of accumulated other comprehensive income for the three and six months ended June 30, 2015 and 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 31%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Details about accumulated other comprehensive income</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount reclassified from accumulated </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">comprehensive income (a)</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 3%;"> </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Affected line item in the </div><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">statement where net Income is </div><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">presented</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 31%;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Three Months Ended  June 30,</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 3%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 21%;">  </td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr><td align="left" valign="bottom" style="width: 31%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized gains and losses on available for sale securities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td align="right" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                          175</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                      75</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment securities gains, net</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                             (59)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       (26)</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision for income taxes</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                          116</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                      49</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net of tax</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 31%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Defined benefit pension items</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td align="right" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                          (54)</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    (13)</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Salaries and employee benefits</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                               19</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                           4</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision for income taxes</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                          (35)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                      (9)</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net of tax</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 31%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total reclassifications</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                            81</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                      40</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 31%;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Six Months Ended  June 30,</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 3%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 21%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 31%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized gains and losses on available for sale securities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td align="right" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                          301</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    246</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment securities gains, net</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                           (102)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       (84)</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision for income taxes</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                          199</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    162</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net of tax</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 31%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Defined benefit pension items</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td align="right" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                        (102)</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    (25)</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Salaries and employee benefits</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                               35</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                           9</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision for income taxes</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                          (67)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    (16)</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net of tax</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 31%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total reclassifications</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                          132</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    146</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 31%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="white"><td align="left" colspan="3" valign="bottom" style="width: 60%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(a) Amounts in parentheses indicate expenses and other amounts indicate income on the Consolidated Statement of Income </div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr></table></div></div>

551000

4200000

79512000

83371000

1028000

2141000

1102000

2004000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following table reflects the financing receivables on non-accrual status as of June 30, 2015 and December 31, 2014, respectively. The balances are presented by class of financing receivable (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 60%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font><font style="letter-spacing: 9pt;">   </font> June 30, 2015</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font><font style="letter-spacing: 9pt;">   </font> December 31, 2014</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                780</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   676</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     69</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      152</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                4,547</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   5,010</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        -</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        -</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     53</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        47</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                1,118</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      714</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        -</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="padding-bottom: 2px; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             6,567</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                6,599</div></td></tr></table></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div>Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Assets</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr><td align="left" valign="top" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Securities available for sale:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     U.S. Agency securities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             167,580</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             167,580</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Obligations of state and</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        political subdivisions</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">96,282</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">96,282</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Corporate obligations</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12,805</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12,805</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgage-backed securities in</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       government sponsored entities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">26,350</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">26,350</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Equity securities in financial</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       institutions</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           1,775</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                            -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,775</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="top" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Securities available for sale:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     U.S. agency securities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             150,885</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             150,885</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     U.S. treasuries securities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4,849</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4,849</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Obligations of state and</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       political subdivisions</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">105,036</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">105,036</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Corporate obligations</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">13,958</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">13,958</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgage-backed securities in</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       government sponsored entities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">29,728</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">29,728</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Equity securities in financial</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       institutions</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           1,690</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                            -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,690</div></td></tr></table></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following sets forth the components of net periodic benefit costs of the Pension Plan for the three and six months ended June 30, 2015 and 2014, respectively (in thousands):</div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td><td colspan="2" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Three Months Ended</div></td><td colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Six Months Ended</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td><td colspan="2" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> June 30,</div></td><td colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> June 30,</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Service cost</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               78</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   63</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             132</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  153</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest cost</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   90</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    111</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                153</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     207</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Expected return on plan assets</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              (172)</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  (215)</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              (290)</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    (393)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net amortization and deferral</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   45</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    (43)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   76</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       25</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net periodic cost (benefit)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               41</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ (84)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               71</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     (8)</div></td></tr></table></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following tables present the changes in accumulated other comprehensive income by component net of tax for the three and six months ended June 30, 2015 and 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 46%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 46%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Three months ended June 30, 2015</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 46%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized gain (loss) on </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">available for sale securities (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Defined Benefit </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pension Items (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of March 31, 2015</div></td><td align="right" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     3,897</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (2,294)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      1,603</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other comprehensive income (loss) before reclassifications (net of tax)</div></td><td align="right" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      (1,351)</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        (1,351)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amounts reclassified from accumulated other</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 24%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     comprehensive income (net of tax)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                         (116)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              35</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (81)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net current period other comprehensive income (loss)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      (1,467)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              35</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        (1,432)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of June 30, 2015</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     2,430</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (2,259)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         171</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 46%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 24%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 46%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 46%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Six months ended June 30, 2015</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 46%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized gain (loss) on </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">available for sale securities (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Defined Benefit </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pension Items (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of December 31, 2014</div></td><td align="right" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     3,093</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (2,326)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         767</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other comprehensive income (loss) before reclassifications (net of tax)</div></td><td align="right" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                         (464)</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (464)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amounts reclassified from accumulated other</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 24%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     comprehensive income (net of tax)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                         (199)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              67</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (132)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net current period other comprehensive income (loss)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  (663)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          67</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       (596)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of June 30, 2015</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     2,430</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (2,259)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         171</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 46%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 24%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 46%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Three months ended June 30, 2014</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 46%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized gain (loss) on available </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">for sale securities (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Defined Benefit </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pension Items (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of March 31, 2014</div></td><td align="right" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     1,264</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (1,110)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         154</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other comprehensive income (loss) before reclassifications (net of tax)</div></td><td align="right" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                           986</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            986</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amounts reclassified from accumulated other</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 24%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     comprehensive income (net of tax)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                           (49)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                9</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (40)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net current period other comprehensive income (loss)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                           937</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                9</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            946</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of June 30, 2014</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     2,201</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (1,101)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      1,100</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 46%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 24%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 46%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Six months ended June 30, 2014</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 46%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized gain (loss) on available </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">for sale securities (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Defined Benefit </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pension Items (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of December 31, 2013</div></td><td align="right" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                      (108)</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (1,117)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (1,225)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other comprehensive income (loss) before reclassifications (net of tax)</div></td><td align="right" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        2,471</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         2,471</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amounts reclassified from accumulated other</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 24%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     comprehensive income  (net of tax)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                         (162)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              16</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (146)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net current period other comprehensive income (loss)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                2,309</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          16</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     2,325</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 46%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of June 30, 2014</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     2,201</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (1,101)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      1,100</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 46%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 24%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 70%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(a) Amounts in parentheses indicate debits to the Consolidated Balance Sheet </div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr></table></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following table sets forth the computation of earnings per share.  Earnings per share calculations give retroactive effect to stock dividends declared by the Company.</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 49%;">  </td><td colspan="2" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> Three months ended</div></td><td colspan="2" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> Six months ended</div></td></tr><tr><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div></td><td colspan="2" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> June 30,</div></td><td colspan="2" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> June 30,</div></td></tr><tr><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> 2014</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net income applicable to common stock</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$3,189,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$3,365,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$6,309,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$6,541,000</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 49%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Basic earnings per share computation</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 4px; width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average common shares outstanding</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,019,661</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,039,734</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     3,022,945</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,040,822</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Earnings per share - basic</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$1.06</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$1.11</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$2.09</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$2.15</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 49%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Diluted earnings per share computation</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average common shares outstanding for basic earnings per share</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,019,661</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,039,734</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     3,022,945</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,040,822</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Add: Dilutive effects of restricted stock</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          1,064</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             927</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               534</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             405</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average common shares outstanding for dilutive earnings per share</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,020,725</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,040,661</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     3,023,479</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,041,227</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Earnings per share - diluted</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$1.06</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$1.11</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$2.09</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$2.15</div></td></tr></table></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following table details the vesting, awarding and forfeiting of restricted shares during 2015 and 2014:</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; width: 21%;">  </td><td colspan="4" valign="bottom" style="border-top: black 0.5pt solid; width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Three months ended June 30,</div></td><td colspan="4" valign="bottom" style="border-top: black 0.5pt solid; width: 37%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Six months ended June 30,</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td><td colspan="2" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td colspan="2" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td colspan="2" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unvested</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unvested</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unvested</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unvested</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 21%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Shares</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Market Price</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Shares</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Market Price</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Shares</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Market Price</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Shares</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Market Price</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Outstanding, beginning of period</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6,998</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          48.61</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   6,240</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       43.55</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6,971</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          48.55</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   7,172</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       42.02</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Granted</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3,340</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             49.87</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,206</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          53.10</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3,496</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             50.02</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,598</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          52.82</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Forfeited</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Vested</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> (3,320)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             45.62</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  (2,259)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          42.06</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> (3,449)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             45.80</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  (3,583)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          40.30</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Outstanding, end of period</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">7,018</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          50.63</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   7,187</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       48.28</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">7,018</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          50.63</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   7,187</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       48.28</div></td></tr></table></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The amortized cost, gross unrealized gains and losses,  and fair value of investment securities at June 30, 2015 and December 31, 2014 were as follows (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 32%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> Gross</div></td><td valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> Gross</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td></tr><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 32%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> Amortized</div></td><td valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> Unrealized</div></td><td valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> Unrealized</div></td><td valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> Fair</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> Cost</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> Gains</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> Losses</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> Value</div></td></tr><tr><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  U.S. agency securities</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    167,187</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  778</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            (385)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       167,580</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Obligations of state and</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    political subdivisions</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         93,796</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  2,829</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               (343)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            96,282</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Corporate obligations</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         12,713</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     141</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 (49)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            12,805</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Mortgage-backed securities in</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    government sponsored entities</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         26,096</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     287</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 (33)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            26,350</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Equity securities in financial institutions</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           1,318</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     457</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              1,775</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total available-for-sale securities</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    301,110</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               4,492</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            (810)</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       304,792</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 32%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 11%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  U.S. agency securities</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    150,847</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  638</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            (600)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       150,885</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  U.S. treasury securities</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           4,944</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 (95)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              4,849</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Obligations of state and</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    political subdivisions</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       101,281</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  3,854</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 (99)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          105,036</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Corporate obligations</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         13,853</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     190</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 (85)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            13,958</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Mortgage-backed securities in</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    government sponsored entities</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         29,397</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     368</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 (37)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            29,728</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Equity securities in financial institutions</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           1,137</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     553</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              1,690</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total available-for-sale securities</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    301,459</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               5,603</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            (916)</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       306,146</div></td></tr></table></div></div>

3206

3340

3598

3496

49.87

53.10

50.02

52.82

6998

6240

7172

6971

7018

7187

37000

43000

85000

73000

48.61

43.55

48.55

42.02

50.63

48.28

45.62

42.06

40.30

45.80

60662

2259

3320

3449

3583

100000

103225000

100528000

1143000

296280

306560

8236000

8776000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Loan modifications that are considered TDRs completed during the three and six months ended June 30, 2015 and 2014 were as follows (dollars in thousands):</div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="6" valign="bottom" style="width: 71%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Three Months Ended June 30, 2015</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of contracts</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pre-modification Outstanding </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded Investment</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 20%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Post-Modification </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Outstanding Recorded </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px; width: 16%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  $                  19</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  $              19</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  19</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              19</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="6" valign="bottom" style="width: 70%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Six Months Ended June 30, 2015</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of contracts</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pre-modification Outstanding</div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> Recorded Investment</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Post-Modification </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Outstanding Recorded </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px; width: 16%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 71</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  19</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               71</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  $               19</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 71</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  19</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               71</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               19</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="6" valign="bottom" style="width: 71%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Three Months Ended June 30, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of contracts</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pre-modification Outstanding </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded Investment</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Post-Modification Outstanding </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded Investment</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px; width: 16%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                28</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$             28</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                28</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             28</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="6" valign="bottom" style="width: 71%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Six Months Ended June 30, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of contracts</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pre-modification Outstanding </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded Investment</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Post-Modification Outstanding </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded Investment</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> Modification</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px; width: 16%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                153</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$             153</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                         2</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                153</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             153</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div>The following table presents the recorded investment in loans that were modified as TDRs during each 12-month period prior to the current reporting periods, which begin January 1, 2015 and 2014 (six month periods) and April 1, 2015 and 2014 (3 month periods), respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):</div><div style="display: block; text-indent: 0pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td colspan="4" valign="bottom" style="width: 40%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Three Months Ended</div></td><td colspan="4" valign="bottom" style="width: 40%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Six Months Ended</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2014</div></td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td></tr><tr><td align="left" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px; width: 13%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              483</div></td></tr><tr><td align="left" valign="bottom" style="width: 13%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total recidivism</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              483</div></td></tr></table></div></div>

3019661

3039734

3040822

3022945

3040661

3020725

3041227

3023479

49000 99000 P7Y 4 4 -43000 45000 76000 25000 100 50.15 44.50 53.15 50.50 44.50 53.15 50.50 34.70 P1Y 0 3584000 3584000 3644000 3584000 0 0 3644000 3644000 0 20615000 20309000 20615000 20615000 0 20309000 20309000 0 0 0 0 2035000 2035000 0 2035000 1864000 1864000 0 0 1864000 5969000 0 5969000 5960000 5969000 0 5960000 5969000 P90D P90D <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div>The following table summarizes the primary segments of the loan portfolio and how those segments are analyzed within the allowance for loan losses as of June 30, 2015 and December 31, 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="letter-spacing: 9pt;">   </font> Total Loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Individually </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Collectively </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for</div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> impairment</div></td></tr><tr><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 181,566</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                        333</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 181,233</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    224,450</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        5,578</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    218,872</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,025</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,025</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,374</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,374</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      64,506</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        2,248</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      62,258</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      84,730</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      84,730</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    571,651</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     8,159</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 563,492</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance for loan losses</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,959</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 564,692</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 26%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 14%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 185,438</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                        316</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 185,122</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    215,584</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,112</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    209,472</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,353</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,353</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,497</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,497</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      58,516</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        2,394</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      56,122</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      79,717</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      79,717</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    554,105</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     8,822</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 545,283</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance for loan losses</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,815</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 547,290</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following table segregates the allowance for loan losses (ALLL) into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of June 30,2015 and December 31, 2014, respectively (in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 31%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 31%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> December 31, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Individually </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Collectively </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Individually evaluated for impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Collectively </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           41</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         890</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         931</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           25</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           853</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             878</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              48</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,631</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3,679</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              72</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           3,798</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             3,870</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              14</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">14</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                26</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  26</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              89</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">89</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                84</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  84</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            185</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,317</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,502</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                1</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           1,223</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             1,224</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            568</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">568</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              545</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                545</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            176</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">176</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              188</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                188</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         274</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,685</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,959</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           98</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        6,717</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          6,815</div></td></tr></table></div></div> 239000 241000 0 319000 0 549000 191000 200000 401000 384000 0 1690000 1775000 0 0 1690000 0 1775000 29728000 0 0 0 26350000 26350000 0 29728000 0 13958000 0 0 12805000 0 12805000 13958000 0 96282000 105036000 96282000 0 105036000 0 0 0 0 4849000 4849000 0 150885000 0 0 0 167580000 150885000 167580000 0.0199 0 0 0.0321 0.055 0.055 0.1 0.05 0.09 0.04 0.09 0.1 0.04 0.0928 0.0855 0.1 0.04 0.1 P12M P0M P15M P0M P18M P18M P0M P0M P18M P12M P12M P18M 1000000 0.55 1000000 750000 1329000 26000 41000 P15Y P30Y P15Y P90D 406000 4356000 P90D 562549000 544598000 641000 1431000 1090000 619000 836000 826000 2535000 2908000 547506000 565084000 524000 48000 5141000 2014000 6161000 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Accumulated Comprehensive Income (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Accumulated Other Comprehensive Income Loss [Line Items]

Beginning Balance $ 1,603 $ 154 $ 767 $ (1,225)

Other comprehensive income (loss) before reclassifications (net of tax) (1,351) 986 (464) 2,471

Amounts reclassified from accumulated other comprehensive income (net of tax) (81) (40) (132) (146)

Net current period other comprehensive income (loss) (1,432) 946 (596) 2,325

Ending Balance 171 1,100 171 1,100

Unrealized Gains (Loss) On Available For Sale Securities [Member]

Accumulated Other Comprehensive Income Loss [Line Items]

Beginning Balance ^[1] 3,897 1,264 3,093 (108)

Other comprehensive income (loss) before reclassifications (net of tax) ^[1] (1,351) 986 (464) 2,471

Amounts reclassified from accumulated other comprehensive income (net of tax) ^[1] (116) (49) (199) (162)

Net current period other comprehensive income (loss) ^[1] (1,467) 937 (663) 2,309

Ending Balance ^[1] 2,430 2,201 2,430 2,201

Defined Benefit Pension Items [Member]

Accumulated Other Comprehensive Income Loss [Line Items]

Beginning Balance ^[1] (2,294) (1,110) (2,326) (1,117)

Other comprehensive income (loss) before reclassifications (net of tax) ^[1] 0 0 0 0

Amounts reclassified from accumulated other comprehensive income (net of tax) ^[1] 35 9 67 16

Net current period other comprehensive income (loss) ^[1] 35 9 67 16

Ending Balance ^[1] $ (2,259) $ (1,101) $ (2,259) $ (1,101)

[1] Amounts in parentheses indicate debits to the Consolidated Balance Sheet

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Investments (Details)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

USD ($)

Security

Jun. 30, 2014

USD ($)

Jun. 30, 2015

USD ($)

Security

Jun. 30, 2014

USD ($)

Dec. 31, 2014

USD ($)

Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]

Amortized Cost $ 301,110 $ 301,110 $ 301,459

Gross Unrealized Gains 4,492 4,492 5,603

Gross Unrealized Losses (810) (810) (916)

Fair Value $ 304,792 $ 304,792 306,146

Number of securities owned with fair value than cost | Security 72 72

Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]

Less than Twelve Months, Fair Value $ 94,444 $ 94,444 36,508

Twelve Months or Greater, Fair Value 18,579 18,579 67,011

Total, Fair Value 113,023 113,023 103,519

Less than Twelve Months, Gross Unrealized Losses (617) (617) (134)

Twelve Months or Greater, Gross Unrealized Losses (193) (193) (782)

Total, Gross Unrealized Losses $ (810) (810) (916)

Duration securities impaired, Minimum 1 year

Proceeds from sale of securities available-for-sale $ 3,770 $ 6,595 18,393 $ 12,151

Realized investment gains (losses) [Abstract]

Gross gains 175 75 312 246

Gross losses 0 0 (11) 0

Net gains 175 $ 75 301 $ 246

Investment securities pledged as collateral 170,900 170,900 186,400

Amortized Cost [Abstract]

Due in one year or less 3,420 3,420

Due after one year through five years 166,695 166,695

Due after five years through ten years 44,355 44,355

Due after ten years 85,322 85,322

Total 299,792 299,792

Fair Value [Abstract]

Due in one year or less 3,459 3,459

Due after one year through five years 167,737 167,737

Due after five years through ten years 45,146 45,146

Due after ten years 86,675 86,675

Total 303,017 303,017

U.S. Agency Securities [Member]

Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]

Amortized Cost 167,187 167,187 150,847

Gross Unrealized Gains 778 778 638

Gross Unrealized Losses (385) (385) (600)

Fair Value 167,580 167,580 150,885

Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]

Less than Twelve Months, Fair Value 60,908 60,908 27,382

Twelve Months or Greater, Fair Value 10,910 10,910 43,642

Total, Fair Value 71,818 71,818 71,024

Less than Twelve Months, Gross Unrealized Losses (302) (302) (110)

Twelve Months or Greater, Gross Unrealized Losses (83) (83) (490)

Total, Gross Unrealized Losses (385) (385) (600)

US Treasury Securities [Member]

Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]

Amortized Cost 4,944

Gross Unrealized Gains 0

Gross Unrealized Losses (95)

Fair Value 4,849

Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]

Less than Twelve Months, Fair Value 0

Twelve Months or Greater, Fair Value 4,849

Total, Fair Value 4,849

Less than Twelve Months, Gross Unrealized Losses 0

Twelve Months or Greater, Gross Unrealized Losses (95)

Total, Gross Unrealized Losses (95)

Obligations of State and Political Subdivisions [Member]

Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]

Amortized Cost 93,796 93,796 101,281

Gross Unrealized Gains 2,829 2,829 3,854

Gross Unrealized Losses (343) (343) (99)

Fair Value 96,282 96,282 105,036

Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]

Less than Twelve Months, Fair Value 23,486 23,486 3,596

Twelve Months or Greater, Fair Value 5,212 5,212 8,584

Total, Fair Value 28,698 28,698 12,180

Less than Twelve Months, Gross Unrealized Losses (263) (263) (19)

Twelve Months or Greater, Gross Unrealized Losses (80) (80) (80)

Total, Gross Unrealized Losses (343) (343) (99)

Corporate Obligations [Member]

Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]

Amortized Cost 12,713 12,713 13,853

Gross Unrealized Gains 141 141 190

Gross Unrealized Losses (49) (49) (85)

Fair Value 12,805 12,805 13,958

Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]

Less than Twelve Months, Fair Value 5,434 5,434 505

Twelve Months or Greater, Fair Value 2,184 2,184 7,707

Total, Fair Value 7,618 7,618 8,212

Less than Twelve Months, Gross Unrealized Losses (31) (31) (1)

Twelve Months or Greater, Gross Unrealized Losses (18) (18) (84)

Total, Gross Unrealized Losses (49) (49) (85)

Mortgage-backed Securities in Government Sponsored Entities [Member]

Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]

Amortized Cost 26,096 26,096 29,397

Gross Unrealized Gains 287 287 368

Gross Unrealized Losses (33) (33) (37)

Fair Value 26,350 26,350 29,728

Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]

Less than Twelve Months, Fair Value 4,616 4,616 5,025

Twelve Months or Greater, Fair Value 273 273 2,229

Total, Fair Value 4,889 4,889 7,254

Less than Twelve Months, Gross Unrealized Losses (21) (21) (4)

Twelve Months or Greater, Gross Unrealized Losses (12) (12) (33)

Total, Gross Unrealized Losses (33) (33) (37)

Equity Securities in Financial Institutions [Member]

Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]

Amortized Cost 1,318 1,318 1,137

Gross Unrealized Gains 457 457 553

Gross Unrealized Losses 0 0 0

Fair Value $ 1,775 $ 1,775 $ 1,690

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Fair Value Measurements, By Balance Sheet Grouping (Details) - USD ($)
$ in Thousands
6 Months Ended

Jun. 30, 2015

Dec. 31, 2014

Financial Assets [Abstract]

Available-for-sale securities $ 304,792 $ 306,146

Financial Liabilities [Abstract]

Consideration period for recognition of cash and due from banks 90 days

Consideration period for recognition of accrued interest receivable and payable 90 days

Level I [Member]

Financial Assets [Abstract]

Cash and due from banks $ 10,912 11,423

Interest bearing time deposits with other banks 0

Available-for-sale securities 1,775 1,690

Loans held for sale 1,152 497

Net loans 0 0

Bank owned life insurance 20,615 20,309

Regulatory stock 1,864 2,035

Accrued interest receivable 3,584 3,644

Financial Liabilities [Abstract]

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Borrowed funds 6,287 16,593

Accrued interest payable 674 756

Level II [Member]

Financial Assets [Abstract]

Cash and due from banks 0 0

Interest bearing time deposits with other banks 0

Available-for-sale securities 303,017 304,456

Net loans 0 0

Bank owned life insurance 0 0

Regulatory stock 0 0

Accrued interest receivable 0 0

Financial Liabilities [Abstract]

Deposits 0 0

Borrowed funds 0 0

Accrued interest payable 0 0

Level III [Member]

Financial Assets [Abstract]

Cash and due from banks 0 0

Interest bearing time deposits with other banks 5,969 5,969

Available-for-sale securities 0

Net loans 580,732 564,944

Bank owned life insurance 0 0

Regulatory stock 0 0

Accrued interest receivable 0 0

Financial Liabilities [Abstract]

Deposits 247,647 249,221

Borrowed funds 29,793 21,626

Accrued interest payable 0 0

Carrying Amount [Member]

Financial Assets [Abstract]

Cash and due from banks 10,912 11,423

Interest bearing time deposits with other banks 5,960 5,960

Available-for-sale securities 304,792 306,146

Loans held for sale 1,152 497

Net loans 564,692 547,290

Bank owned life insurance 20,615 20,309

Regulatory stock 1,864 2,035

Accrued interest receivable 3,584 3,644

Financial Liabilities [Abstract]

Deposits 791,887 773,933

Borrowed funds 39,194 41,799

Accrued interest payable 674 756

Fair Value [Member]

Financial Assets [Abstract]

Cash and due from banks 10,912 11,423

Interest bearing time deposits with other banks 5,969 5,969

Available-for-sale securities 304,792 306,146

Loans held for sale 1,152 497

Net loans 580,732 564,944

Bank owned life insurance 20,615 20,309

Regulatory stock 1,864 2,035

Accrued interest receivable 3,584 3,644

Financial Liabilities [Abstract]

Deposits 792,477 774,387

Borrowed funds 36,080 38,219

Accrued interest payable $ 674 $ 756

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Income Tax Expense
6 Months Ended

Jun. 30, 2015

Income Tax Expense [Abstract]

Income Tax Expense
Note 3 - Income Tax Expense

Income tax expense is less than the amount calculated using the statutory tax rate, primarily as a result of tax-exempt income earned from state and municipal securities and loans and investments in tax credits.

Investments in Qualified Affordable Housing Projects

As of June 30, 2015 and December 31, 2014, the Company was invested in four partnerships that provide affordable housing. The balance of the investments, which is included within other assets in the Consolidated Balance Sheet, was $1,088,000 and $1,218,000 as of June 30, 2015 and December 31, 2014, respectively. Investments purchased prior to January 1, 2015, are accounted for utilizing the effective yield method. As of June 30, 2015, the Company has $1,143,000 of tax credits remaining that will be recognized over seven years. Tax credits of $49,000 and $99,000 were recognized as a reduction of tax expense during the three and six months ended June 30, 2015, respectively.

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Loans, Past Due (Details) - USD ($)
$ in Thousands
6 Months Ended

Jun. 30, 2015

Dec. 31, 2014

Recorded investment of past due [Abstract]

Total Past Due $ 8,696 $ 5,151

Current 562,955 548,954

Total Loans 571,651 554,105

90 Days or Greater and Accruing 826 836

Financing receivables on nonaccrual status [Abstract]

Total Past Due And Non-accrual 6,161 2,243

Current And Non-accrual 406 4,356

Financing receivable nonaccrual status 6,567 6,599

Financing receivables on accrual status [Abstract]

Total Past Due And Still Accruing 2,535 2,908

Current And Still Accruing 562,549 544,598

Total Financing Receivables And Still Accruing $ 565,084 547,506

Minimum [Member]

Financing receivables on nonaccrual status [Abstract]

Period of past due after which loans considered as non accrual 90 days

30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due $ 1,614 1,479

Financing receivables on nonaccrual status [Abstract]

Total Past Due And Non-accrual 524 48

Financing receivables on accrual status [Abstract]

Total Past Due And Still Accruing 1,090 1,431

60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 1,115 822

Financing receivables on nonaccrual status [Abstract]

Total Past Due And Non-accrual 496 181

Financing receivables on accrual status [Abstract]

Total Past Due And Still Accruing 619 641

90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 5,967 2,850

Financing receivables on nonaccrual status [Abstract]

Total Past Due And Non-accrual 5,141 2,014

Financing receivables on accrual status [Abstract]

Total Past Due And Still Accruing 826 836

Real Estate Loans [Member] | Mortgages [Member]

Recorded investment of past due [Abstract]

Total Past Due 1,522 1,223

Current 119,287 121,635

Total Loans 120,809 122,858

90 Days or Greater and Accruing 380 214

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 780 676

Real Estate Loans [Member] | Mortgages [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 502 318

Real Estate Loans [Member] | Mortgages [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 154 230

Real Estate Loans [Member] | Mortgages [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 866 675

Real Estate Loans [Member] | Home Equity [Member]

Recorded investment of past due [Abstract]

Total Past Due 615 801

Current 60,142 61,779

Total Loans 60,757 62,580

90 Days or Greater and Accruing 80 132

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 69 152

Real Estate Loans [Member] | Home Equity [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 395 442

Real Estate Loans [Member] | Home Equity [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 84 99

Real Estate Loans [Member] | Home Equity [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 136 260

Real Estate Loans [Member] | Commercial [Member]

Recorded investment of past due [Abstract]

Total Past Due 4,672 1,760

Current 189,055 189,185

Total Loans 193,727 190,945

90 Days or Greater and Accruing 104 310

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 4,547 5,010

Real Estate Loans [Member] | Commercial [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 114 97

Real Estate Loans [Member] | Commercial [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 524 231

Real Estate Loans [Member] | Commercial [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 4,034 1,432

Real Estate Loans [Member] | Agricultural [Member]

Recorded investment of past due [Abstract]

Total Past Due 209 0

Current 30,514 24,639

Total Loans 30,723 24,639

90 Days or Greater and Accruing 0 0

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 0 0

Real Estate Loans [Member] | Agricultural [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 39 0

Real Estate Loans [Member] | Agricultural [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 170 0

Real Estate Loans [Member] | Agricultural [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

Real Estate Loans [Member] | Construction [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

Current 8,025 6,353

Total Loans 8,025 6,353

90 Days or Greater and Accruing 0 0

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 0 0

Real Estate Loans [Member] | Construction [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

Real Estate Loans [Member] | Construction [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

Real Estate Loans [Member] | Construction [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

Consumer [Member]

Recorded investment of past due [Abstract]

Total Past Due 80 130

Current 8,294 8,367

Total Loans 8,374 8,497

90 Days or Greater and Accruing 1 6

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 53 47

Consumer [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 38 119

Consumer [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 30 4

Consumer [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 12 7

Other Commercial Loans [Member]

Recorded investment of past due [Abstract]

Total Past Due 1,501 1,237

Current 50,619 46,214

Total Loans 52,120 47,451

90 Days or Greater and Accruing 261 174

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 1,118 714

Other Commercial Loans [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 526 503

Other Commercial Loans [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 56 258

Other Commercial Loans [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 919 476

Other Agricultural Loans [Member]

Recorded investment of past due [Abstract]

Total Past Due 97 0

Current 12,289 11,065

Total Loans 12,386 11,065

90 Days or Greater and Accruing 0 0

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 0 0

Other Agricultural Loans [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

Other Agricultural Loans [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 97 0

Other Agricultural Loans [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

State and Political Subdivision Loans [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

Current 84,730 79,717

Total Loans 84,730 79,717

90 Days or Greater and Accruing 0 0

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 0 0

State and Political Subdivision Loans [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

State and Political Subdivision Loans [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

State and Political Subdivision Loans [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due $ 0 $ 0

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Loans, Credit Quality Indicator (Details) - USD ($)
6 Months Ended

Jun. 30, 2015

Dec. 31, 2014

Financing Receivable by credit exposure [Abstract]

Total $ 189,940,000 $ 193,935,000

Minimum [Member]

Financing Receivable, Recorded Investment [Line Items]

Percentage of dollar volume of commercial loan portfolio to be reviewed (in hundredths) 55.00%

Amount over which all new loans to be reviewed, minimum $ 1,000,000

Amount over which all relationships to be reviewed, minimum 1,000,000

Amount which is 30 days past due to be reviewed for all aggregate loan relationships 750,000

Real Estate Loans [Member] | Commercial [Member]

Financing Receivable by credit exposure [Abstract]

Total 193,727,000 190,945,000

Real Estate Loans [Member] | Agricultural [Member]

Financing Receivable by credit exposure [Abstract]

Total 30,723,000 24,639,000

Real Estate Loans [Member] | Construction [Member]

Financing Receivable by credit exposure [Abstract]

Total 8,025,000 6,353,000

Real Estate Loans [Member] | Mortgages [Member]

Financing Receivable by credit exposure [Abstract]

Total 120,809,000 122,858,000

Real Estate Loans [Member] | Home Equity [Member]

Financing Receivable by credit exposure [Abstract]

Total 60,757,000 62,580,000

Consumer [Member]

Financing Receivable by credit exposure [Abstract]

Total 8,374,000 8,497,000

Other Commercial Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 52,120,000 47,451,000

Other Agricultural Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 12,386,000 11,065,000

State and Political Subdivision Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 84,730,000 79,717,000

Pass [Member]

Financing Receivable by credit exposure [Abstract]

Total 355,170,000 324,932,000

Pass [Member] | Real Estate Loans [Member] | Commercial [Member]

Financing Receivable by credit exposure [Abstract]

Total 177,073,000 169,383,000

Pass [Member] | Real Estate Loans [Member] | Agricultural [Member]

Financing Receivable by credit exposure [Abstract]

Total 27,638,000 19,575,000

Pass [Member] | Real Estate Loans [Member] | Construction [Member]

Financing Receivable by credit exposure [Abstract]

Total 8,025,000 6,353,000

Pass [Member] | Other Commercial Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 45,715,000 40,683,000

Pass [Member] | Other Agricultural Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 11,989,000 9,221,000

Pass [Member] | State and Political Subdivision Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 84,730,000 79,717,000

Special Mention [Member]

Financing Receivable by credit exposure [Abstract]

Total 8,204,000 17,482,000

Special Mention [Member] | Real Estate Loans [Member] | Commercial [Member]

Financing Receivable by credit exposure [Abstract]

Total 4,390,000 8,948,000

Special Mention [Member] | Real Estate Loans [Member] | Agricultural [Member]

Financing Receivable by credit exposure [Abstract]

Total 2,600,000 3,394,000

Special Mention [Member] | Real Estate Loans [Member] | Construction [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Special Mention [Member] | Other Commercial Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 817,000 4,413,000

Special Mention [Member] | Other Agricultural Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 397,000 727,000

Special Mention [Member] | State and Political Subdivision Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Substandard [Member]

Financing Receivable by credit exposure [Abstract]

Total 18,148,000 17,756,000

Substandard [Member] | Real Estate Loans [Member] | Commercial [Member]

Financing Receivable by credit exposure [Abstract]

Total 12,220,000 12,614,000

Substandard [Member] | Real Estate Loans [Member] | Agricultural [Member]

Financing Receivable by credit exposure [Abstract]

Total 485,000 1,670,000

Substandard [Member] | Real Estate Loans [Member] | Construction [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Substandard [Member] | Other Commercial Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 5,443,000 2,355,000

Substandard [Member] | Other Agricultural Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 1,117,000

Substandard [Member] | State and Political Subdivision Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Doubtful [Member]

Financing Receivable by credit exposure [Abstract]

Total 189,000 0

Doubtful [Member] | Real Estate Loans [Member] | Commercial [Member]

Financing Receivable by credit exposure [Abstract]

Total 44,000 0

Doubtful [Member] | Real Estate Loans [Member] | Agricultural [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Doubtful [Member] | Real Estate Loans [Member] | Construction [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Doubtful [Member] | Other Commercial Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 145,000 0

Doubtful [Member] | Other Agricultural Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Doubtful [Member] | State and Political Subdivision Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Internally Assigned Grade [Member]

Financing Receivable by credit exposure [Abstract]

Total 381,711,000 360,170,000

Performing [Member]

Financing Receivable by credit exposure [Abstract]

Total 188,577,000 192,708,000

Performing [Member] | Real Estate Loans [Member] | Mortgages [Member]

Financing Receivable by credit exposure [Abstract]

Total 119,649,000 121,968,000

Performing [Member] | Real Estate Loans [Member] | Home Equity [Member]

Financing Receivable by credit exposure [Abstract]

Total 60,608,000 62,296,000

Performing [Member] | Consumer [Member]

Financing Receivable by credit exposure [Abstract]

Total 8,320,000 8,444,000

Nonperforming [Member]

Financing Receivable by credit exposure [Abstract]

Total 1,363,000 1,227,000

Nonperforming [Member] | Real Estate Loans [Member] | Mortgages [Member]

Financing Receivable by credit exposure [Abstract]

Total 1,160,000 890,000

Nonperforming [Member] | Real Estate Loans [Member] | Home Equity [Member]

Financing Receivable by credit exposure [Abstract]

Total 149,000 284,000

Nonperforming [Member] | Consumer [Member]

Financing Receivable by credit exposure [Abstract]

Total $ 54,000 $ 53,000

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Loans, Trouble Debt Restructuring (Details)
3 Months Ended 6 Months Ended

Jun. 30, 2015

USD ($)

Contract

Jun. 30, 2014

USD ($)

Contract

Jun. 30, 2015

USD ($)

Contract

Jun. 30, 2014

USD ($)

Contract

Dec. 31, 2014

USD ($)

Loans [Abstract]

Reserves of allowance for loan losses $ 41,000 $ 41,000 $ 26,000

Recidivism receivables [Abstract]

Total recidivism, Number of contracts | Contract 0 0 0 1

Total recidivism, Recorded investment $ 0 $ 0 $ 0 $ 483,000

Foreclosed assets held for sale [Abstract]

Foreclosed assets held for sale $ 1,815,000 $ 1,815,000 $ 1,792,000

Interest Modification [Member]

Financing receivable modifications [Abstract]

Number of contracts | Contract 0 0 1 0

Pre-modification Outstanding Recorded Investment $ 0 $ 0 $ 71,000 $ 0

Post-Modification Outstanding Recorded Investment $ 0 $ 0 $ 71,000 $ 0

Term Modification [Member]

Financing receivable modifications [Abstract]

Number of contracts | Contract 1 1 1 2

Pre-modification Outstanding Recorded Investment $ 19,000 $ 28,000 $ 19,000 $ 153,000

Post-Modification Outstanding Recorded Investment $ 19,000 $ 28,000 $ 19,000 $ 153,000

Real Estate Loans [Member] | Mortgages [Member] | Interest Modification [Member]

Financing receivable modifications [Abstract]

Number of contracts | Contract 0 1

Pre-modification Outstanding Recorded Investment $ 0 $ 71,000

Post-Modification Outstanding Recorded Investment $ 0 $ 71,000

Real Estate Loans [Member] | Mortgages [Member] | Term Modification [Member]

Financing receivable modifications [Abstract]

Number of contracts | Contract 1 1

Pre-modification Outstanding Recorded Investment $ 19,000 $ 19,000

Post-Modification Outstanding Recorded Investment $ 19,000 $ 19,000

Real Estate Loans [Member] | Commercial [Member]

Recidivism receivables [Abstract]

Total recidivism, Number of contracts | Contract 0 0 0 1

Total recidivism, Recorded investment $ 0 $ 0 $ 0 $ 483,000

Real Estate Loans [Member] | Commercial [Member] | Interest Modification [Member]

Financing receivable modifications [Abstract]

Number of contracts | Contract 0 0 0

Pre-modification Outstanding Recorded Investment $ 0 $ 0 $ 0

Post-Modification Outstanding Recorded Investment $ 0 $ 0 $ 0

Real Estate Loans [Member] | Commercial [Member] | Term Modification [Member]

Financing receivable modifications [Abstract]

Number of contracts | Contract 1 2 2

Pre-modification Outstanding Recorded Investment $ 28,000 $ 153,000 $ 153,000

Post-Modification Outstanding Recorded Investment $ 28,000 153,000 $ 153,000

Consumer Residential Mortgages [Member]

Foreclosed assets held for sale [Abstract]

Foreclosed assets held for sale 422,000 422,000

Formal foreclosure proceedings on potential foreclosure assets $ 1,329,000 $ 1,329,000

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Federal Home Loan Bank Stock (Details) - USD ($)

Jun. 30, 2015

Dec. 31, 2014

Federal Home Loan Bank Stock [Abstract]

Federal home loan bank stock $ 1,590,000 $ 1,761,000

FHLB Stock, at par value (in dollars per share) $ 100

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Earnings per Share
6 Months Ended

Jun. 30, 2015

Earnings per Share [Abstract]

Earnings per Share
Note 2 - Earnings per Share

The following table sets forth the computation of earnings per share.  Earnings per share calculations give retroactive effect to stock dividends declared by the Company.

    Three months ended
    Six months ended

    June 30,
    June 30,

    2015
    2014
    2015
    2014
Net income applicable to common stock
$3,189,000
$3,365,000
$6,309,000
$6,541,000

Basic earnings per share computation

Weighted average common shares outstanding
   3,019,661
   3,039,734
     3,022,945
   3,040,822
Earnings per share - basic
$1.06
$1.11
$2.09
$2.15

Diluted earnings per share computation

Weighted average common shares outstanding for basic earnings per share
   3,019,661
   3,039,734
     3,022,945
   3,040,822
Add: Dilutive effects of restricted stock
          1,064
             927
               534
             405
Weighted average common shares outstanding for dilutive earnings per share
   3,020,725
   3,040,661
     3,023,479
   3,041,227
Earnings per share - diluted
$1.06
$1.11
$2.09
$2.15

For the three months ended June 30, 2015 and 2014, there were 3,287 and 2,188 shares, respectively, related to the restricted stock plan that were excluded from the diluted earnings per share calculations since they were anti-dilutive. These anti-dilutive shares had prices ranging from $44.50-$53.15 for the three month period ended June 30, 2015 and prices ranging from $50.15-$50.50 for the three month period ended June 30, 2014. For the six months ended June 30, 2015 and 2014, 3,287 and 2,409 shares, respectively, related to the restricted stock plan were excluded from the diluted earnings per share calculations since they were anti-dilutive. These anti-dilutive shares had prices ranging from $44.50-$53.15 for the six month period ended June 30, 2015 and prices ranging from $34.70-$50.50 for the six month period ended June 30, 2014.

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Employee Benefit Plans (Details) - USD ($)
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Dec. 31, 2014

Components of net periodic benefit cost [Abstract]

Employer contribution to 401 (k) defined contribution plan $ 93,000 $ 88,000 $ 155,000 $ 146,000

Directors [Member]

Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items]

Deferred interest expense 5,000 6,000 12,000 11,000

Pension Plan [Member]

Components of net periodic benefit cost [Abstract]

Service cost 78,000 63,000 132,000 153,000

Interest cost 90,000 111,000 153,000 207,000

Expected return on plan assets (172,000) (215,000) (290,000) (393,000)

Net amortization and deferral 45,000 (43,000) 76,000 25,000

Net periodic cost (benefit) 41,000 (84,000) 71,000 (8,000)

Employer contribution to pension plan 400,000

Supplemental Executive Retirement Plans [Member]

Components of net periodic benefit cost [Abstract]

Obligation included in other liabilities 1,269,000 1,269,000 $ 1,198,000

Cost recognized 36,000 $ 38,000 71,000 $ 76,000

Deferred Compensation Plan [Member]

Components of net periodic benefit cost [Abstract]

Obligation included in other liabilities $ 945,000 $ 945,000 $ 969,000

Restricted Stock [Member]

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Number of shares authorized (in shares) 100,000 100,000

Number of shares available for grant (in shares) 60,662 60,662

Restricted stock activity [Roll Forward]

Outstanding, beginning of period (in shares) 6,998 6,240 6,971 7,172

Granted (in shares) 3,340 3,206 3,496 3,598

Forfeited (in shares) 0 0 0 0

Vested (in shares) (3,320) (2,259) (3,449) (3,583)

Outstanding, end of period (in shares) 7,018 7,187 7,018 7,187

Weighted average market price [Roll Forward]

Outstanding, beginning of period (in dollars per share) $ 48.61 $ 43.55 $ 48.55 $ 42.02

Granted (in dollars per share) 49.87 53.10 50.02 52.82

Forfeited (in dollars per share) 0 0 0 0

Vested (in dollars per share) 45.62 42.06 45.80 40.30

Outstanding, end of period (in dollars per share) $ 50.63 $ 48.28 $ 50.63 $ 48.28

Share-based compensation expense $ 43,000 $ 37,000 $ 85,000 $ 73,000

Compensation cost related to nonvested awards that has not yet been recognized $ 355,000 $ 355,000

Compensation cost related to nonvested awards, period to be recognized 2 years 9 months 29 days

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CONSOLIDATED BALANCE SHEET (UNAUDITED) - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Cash and due from banks:

Noninterest-bearing $ 9,910 $ 10,091

Interest-bearing 1,002 1,332

Total cash and cash equivalents 10,912 11,423

Interest bearing time deposits with other banks 5,960 5,960

Available-for-sale securities 304,792 306,146

Loans held for sale 1,152 497

Loans (net of allowance for loan losses: 2015, $6,959 and 2014, $6,815) 564,692 547,290

Premises and equipment 12,582 12,357

Accrued interest receivable 3,584 3,644

Goodwill 10,256 10,256

Bank owned life insurance 20,615 20,309

Other assets 7,934 7,166

TOTAL ASSETS 942,479 925,048

Deposits:

Noninterest-bearing 100,469 95,526

Interest-bearing 691,418 678,407

Total deposits 791,887 773,933

Borrowed funds 39,194 41,799

Accrued interest payable 674 756

Other liabilities 7,499 8,032

TOTAL LIABILITIES 839,254 824,520

STOCKHOLDERS' EQUITY:

Preferred Stock $1.00 par value; authorized 3,000,000 shares: none issued or outstanding at June 30, 2015 and December 31, 2014; 0 0

Common stock $1.00 par value; authorized 15,000,000 shares; issued 3,335,236 at June 30, 2015 and December 31, 2014; 3,335 3,335

Additional paid-in capital 25,124 25,150

Retained earnings 83,371 79,512

Accumulated other comprehensive income 171 767

Treasury stock, at cost: 306,560 shares at June 30, 2015 and 296,280 shares at December 31, 2014 (8,776) (8,236)

TOTAL STOCKHOLDERS' EQUITY 103,225 100,528

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 942,479 $ 925,048

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CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) - USD ($)
$ in Thousands
6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

CASH FLOWS FROM OPERATING ACTIVITIES:

Net income $ 6,309 $ 6,541

Adjustments to reconcile net income to net cash provided by operating activities:

Provision for loan losses 240 330

Depreciation and amortization 236 233

Amortization and accretion of investment securities 992 1,100

Deferred income taxes 112 498

Investment securities gains, net (301) (246)

Earnings on bank owned life insurance (306) (242)

Originations of loans held for sale (7,479) (5,286)

Proceeds from sales of loans held for sale 6,922 5,089

Realized gains on loans sold (98) (70)

Increase in accrued interest receivable 60 171

Decrease in accrued interest payable (81) (160)

Other, net (1,158) (1,107)

Net cash provided by operating activities 5,448 6,851

Available-for-sale securities:

Proceeds from sales 18,393 12,151

Proceeds from maturity and principal repayments 31,163 29,294

Purchase of securities (49,579) (33,822)

Proceeds from redemption of regulatory stock 1,513 2,216

Purchase of regulatory stock (1,342) (1,484)

Net increase in loans (17,792) (113)

Purchase of premises and equipment (514) (145)

Proceeds from sale of foreclosed assets held for sale 100 296

Net cash (used) provided by investing activities (18,058) 8,393

CASH FLOWS FROM FINANCING ACTIVITIES:

Net increase in deposits 17,954 17,140

Proceeds from long-term borrowings 5,286 4,010

Repayments of long-term borrowings (551) (4,200)

Net decrease in short-term borrowed funds (7,340) (23,667)

Purchase of treasury and restricted stock (997) (733)

Dividends paid (2,253) (2,137)

Net cash provided (used) by financing activities 12,099 (9,587)

Net (decrease) increase in cash and cash equivalents (511) 5,657

CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 11,423 10,083

CASH AND CASH EQUIVALENTS AT END OF PERIOD 10,912 15,740

Supplemental Disclosures of Cash Flow Information:

Interest paid 2,472 2,668

Income taxes paid 2,025 1,885

Loans transferred to foreclosed property 241 239

Premises and equipment transferred from other assets 0 549

Investments purchased and not settled $ 319 $ 0

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Fair Value Measurements, Measured On A Recurring And Nonrecurring Basis (Details) - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Fair value assets and liabilities measured on non-recurring basis [Abstract]

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Securities available for sale [Abstract]

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U.S. treasuries securities 4,849

Obligations of state and political subdivisions 96,282 105,036

Corporate obligations 12,805 13,958

Mortgage-backed securities in government sponsored entities 26,350 29,728

Equity securities in financial institutions 1,775 1,690

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U.S. treasuries securities 4,849

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Fair Value Measurements (Tables)
6 Months Ended

Jun. 30, 2015

Fair Value Measurements [Abstract]

Summary of Assets Measured at Fair Value on a Recurring Basis
Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.

June 30, 2015

Level I

Level II

Level III

Total
Assets

  Securities available for sale:

     U.S. Agency securities

$                -

$             167,580

$                    -

$             167,580
     Obligations of state and

        political subdivisions

                   -

96,282

                       -

96,282
     Corporate obligations

                   -

12,805

                       -

12,805
     Mortgage-backed securities in

       government sponsored entities

                   -

26,350

                       -

26,350
     Equity securities in financial

       institutions

           1,775

                            -

                       -

1,775

December 31, 2014

Level I

Level II

Level III

Total
Securities available for sale:

     U.S. agency securities

$                -

$             150,885

$                    -

$             150,885
     U.S. treasuries securities

                   -

4,849

                       -

4,849
     Obligations of state and

       political subdivisions

                   -

105,036

                       -

105,036
     Corporate obligations

                   -

13,958

                       -

13,958
     Mortgage-backed securities in

       government sponsored entities

                   -

29,728

                       -

29,728
     Equity securities in financial

       institutions

           1,690

                            -

                       -

1,690

Summary of Assets Measured at Fair Value on Non-recurring Basis
Assets measured at fair value on a nonrecurring basis as of June 30, 2015 and December 31, 2014 are included in the table below (in thousands):

June 30, 2015

Level I

Level II

Level III

Total
Impaired Loans

$                -

$                         -

$            7,885

$                 7,885
Other real estate owned

                   -

                            -

1,815

1,815

December 31, 2014

Impaired Loans

$                -

$                         -

$            8,724

$                 8,724
Other real estate owned

                   -

                            -

               1,792

1,792

Significant Unobservable Inputs Used in Fair Value Measurement Process
The following table provides a listing of the significant unobservable inputs used in the fair value measurement process for items valued utilizing level III techniques.

Quantitative Information about Level 3 Fair Value Measurements

June 30, 2015
Fair Value

Valuation Technique(s)
Unobservable input
Range
Weighted average

Impaired Loans
$  206

Discounted Cash Flows
Change in interest rates
0-5.5%
3.21%

  7,679

Appraised Collateral Values
Discount for time since appraisal
0-30%
17.09%

Selling costs
5%-10%
9.28%

Holding period
0 - 18 months
12 months

Other real estate owned
  1,815

Appraised Collateral Values
Discount for time since appraisal
0-20%
20%

Selling costs
4%-10%
9%

Holding period
0 - 18 months
12

December 31, 2014
Fair Value

Valuation Technique(s)
Unobservable input
Range

Impaired Loans
$  230

Discounted Cash Flows
Change in interest rates
0-5.5%
1.99%

  8,494

Appraised Collateral Values
Discount for time since appraisal
0-30%
22.00%

Selling costs
4%-10%
8.55%

Holding period
0 - 18 months
15 months

Other real estate owned
  1,792

Appraised Collateral Values
Discount for time since appraisal
0-20%
20%

Selling costs
4%-10%
9%

Holding period
0 - 18 months
12

Fair Value of Financial Instruments
The fair values of the Company’s financial instruments are as follows (in thousands):

Carrying

June 30, 2015
Amount
Fair Value
Level I
Level II
Level III
Financial assets:

Cash and due from banks
$   10,912
$   10,912
$   10,912
$          -
$             -
Interest bearing time deposits with other banks
        5,960
        5,969

5,969
Available-for-sale securities
    304,792
    304,792
        1,775
303,017

Loans held for sale
        1,152
        1,152
        1,152

Net loans
    564,692
    580,732
                -
             -
    580,732
Bank owned life insurance
      20,615
      20,615
      20,615
             -
                -
Regulatory stock
        1,864
        1,864
        1,864
             -
                -
Accrued interest receivable
        3,584
        3,584
3,584
             -
                -

Financial liabilities:

Deposits
$ 791,887
$ 792,477
$ 544,830
$          -
$ 247,647
Borrowed funds
      39,194
      36,080
        6,287
             -
      29,793
Accrued interest payable
           674
           674
674
             -
                -

Carrying

December 31, 2014
Amount
Fair Value
Level I
Level II
Level III
Financial assets:

Cash and due from banks
$   11,423
$   11,423
$   11,423
$          -
$             -
Interest bearing time deposits with other banks
        5,960
        5,969
                -
             -
        5,969
Available-for-sale securities
    306,146
    306,146
        1,690
304,456
                -
Loans held for sale
           497
           497
           497

Net loans
    547,290
    564,944
                -
             -
    564,944
Bank owned life insurance
      20,309
      20,309
      20,309
             -
                -
Regulatory stock
        2,035
        2,035
        2,035
             -
                -
Accrued interest receivable
        3,644
        3,644
        3,644
             -
                -

Financial liabilities:

Deposits
$ 773,933
$ 774,387
$ 525,166
$          -
$ 249,221
Borrowed funds
      41,799
      38,219
      16,593
             -
      21,626
Accrued interest payable
           756
           756
756
             -
                -

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Fair Value Measurements, Quantitative Information (Details) - USD ($)
6 Months Ended 12 Months Ended

Jun. 30, 2015

Dec. 31, 2014

Impaired Loans [Member] | Discounted Cash Flows [Member]

Fair Value Inputs, Assets, Quantitative Information [Line Items]

Fair Value $ 206 $ 230

Valuation Technique(s) Discounted Cash Flows Discounted Cash Flows

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Fair Value Inputs, Assets, Quantitative Information [Line Items]

Change in interest rates (in hundredths) 0.00% 0.00%

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Fair Value Inputs, Assets, Quantitative Information [Line Items]

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Holding period

Impaired Loans [Member] | Appraised Collateral Values [Member] | Maximum [Member]

Fair Value Inputs, Assets, Quantitative Information [Line Items]

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Selling costs (in hundredths) 10.00% 10.00%

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Impaired Loans [Member] | Appraised Collateral Values [Member] | Weighted Average [Member]

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Selling costs (in hundredths) 9.28% 8.55%

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Other Real Estate Owned [Member] | Appraised Collateral Values [Member]

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Income Tax Expense (Details)
3 Months Ended 6 Months Ended 12 Months Ended

Jun. 30, 2015

USD ($)

Partnership

Jun. 30, 2015

USD ($)

Dec. 31, 2014

USD ($)

Partnership

Income Tax Expense [Abstract]

Investments in number of partnerships | Partnership 4 4

Investment amount in partnerships $ 1,088,000 $ 1,088,000 $ 1,218,000

Tax Credit Carryforward [Line Items]

Investment tax credits $ 1,143,000 1,143,000

Investment Tax Credit Carryforward [Member]

Tax Credit Carryforward [Line Items]

Tax credits recognition period 7 years

Tax credits recognized as reduction of tax expense amount $ 49,000 $ 99,000

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Basis of Presentation
6 Months Ended

Jun. 30, 2015

Basis of Presentation [Abstract]

Basis of Presentation
Note 1 - Basis of Presentation

Citizens Financial Services, Inc. (individually and collectively with its direct and indirect subsidiaries, the “Company”) is a Pennsylvania corporation organized as the holding company of its wholly owned subsidiary, First Citizens Community Bank (the “Bank”), and the Bank’s wholly owned subsidiary, First Citizens Insurance Agency, Inc. (“First Citizens Insurance”).

The accompanying consolidated financial statements have been prepared pursuant to rules and regulations of the Securities and Exchange Commission (“SEC”) and in conformity with U.S. generally accepted accounting principles.  Because this report is based on an interim period, certain information and footnote disclosures normally included in financial statements prepared in accordance with U.S. generally accepted accounting principles have been condensed or omitted.  Certain of the prior year amounts have been reclassified to conform with the current year presentation.  Such reclassifications had no effect on net income or stockholders’ equity.  All material inter-company balances and transactions have been eliminated in consolidation.

In the opinion of management of the Company, the accompanying interim financial statements at June 30, 2015 and for the periods ended June 30, 2015 and 2014 include all adjustments, consisting of only normal recurring adjustments, necessary for a fair presentation of the financial condition and the results of operations for the period.  In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period. The financial performance reported for the Company for the six month period ended June 30, 2015 is not necessarily indicative of the results to be expected for the full year.  This information should be read in conjunction with the Company’s Annual Report on Form 10-K for the year ended December 31, 2014.

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CONSOLIDATED BALANCE SHEET (UNAUDITED) (Parenthetical) - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

ASSETS:

Loans, allowance for loan losses $ 6,959 $ 6,815

STOCKHOLDERS' EQUITY:

Preferred Stock, par value (in dollars per share) $ 1.00 $ 1.00

Preferred Stock, authorized (in shares) 3,000,000 3,000,000

Preferred Stock, issued (in shares) 0 0

Preferred Stock, shares outstanding (in shares) 0 0

Common Stock, par value (in dollars per share) $ 1.00 $ 1.00

Common Stock, authorized (in shares) 15,000,000 15,000,000

Common Stock, issued (in shares) 3,335,236 3,335,236

Treasury stock, shares (in shares) 306,560 296,280

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Earnings per Share (Tables)
6 Months Ended

Jun. 30, 2015

Earnings per Share [Abstract]

Computation of earnings per share
The following table sets forth the computation of earnings per share.  Earnings per share calculations give retroactive effect to stock dividends declared by the Company.

    Three months ended
    Six months ended

    June 30,
    June 30,

    2015
    2014
    2015
    2014
Net income applicable to common stock
$3,189,000
$3,365,000
$6,309,000
$6,541,000

Basic earnings per share computation

Weighted average common shares outstanding
   3,019,661
   3,039,734
     3,022,945
   3,040,822
Earnings per share - basic
$1.06
$1.11
$2.09
$2.15

Diluted earnings per share computation

Weighted average common shares outstanding for basic earnings per share
   3,019,661
   3,039,734
     3,022,945
   3,040,822
Add: Dilutive effects of restricted stock
          1,064
             927
               534
             405
Weighted average common shares outstanding for dilutive earnings per share
   3,020,725
   3,040,661
     3,023,479
   3,041,227
Earnings per share - diluted
$1.06
$1.11
$2.09
$2.15

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Document and Entity Information - shares
6 Months Ended

Jun. 30, 2015

Jul. 28, 2015

Document and Entity Information [Abstract]

Entity Registrant Name CITIZENS FINANCIAL SERVICES INC

Entity Central Index Key 0000739421

Current Fiscal Year End Date --12-31

Entity Well-known Seasoned Issuer No

Entity Voluntary Filers No

Entity Current Reporting Status Yes

Entity Filer Category Accelerated Filer

Entity Common Stock, Shares Outstanding 3,028,676

Document Fiscal Year Focus 2015

Document Fiscal Period Focus Q2

Document Type 10-Q

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Investments (Tables)
6 Months Ended

Jun. 30, 2015

Investments [Abstract]

Summary of amortized cost, gross unrealized gains and losses, and fair value of investment securities
The amortized cost, gross unrealized gains and losses,  and fair value of investment securities at June 30, 2015 and December 31, 2014 were as follows (in thousands):

    Gross
    Gross

    Amortized
    Unrealized
    Unrealized
    Fair
June 30, 2015
    Cost
    Gains
    Losses
    Value
Available-for-sale securities:

  U.S. agency securities
$    167,187
$                  778
$            (385)
$       167,580
  Obligations of state and

    political subdivisions
         93,796
                  2,829
               (343)
            96,282
  Corporate obligations
         12,713
                     141
                 (49)
            12,805
  Mortgage-backed securities in

    government sponsored entities
         26,096
                     287
                 (33)
            26,350
  Equity securities in financial institutions
           1,318
                     457
                      -
              1,775
Total available-for-sale securities
$    301,110
$               4,492
$            (810)
$       304,792

December 31, 2014

Available-for-sale securities:

  U.S. agency securities
$    150,847
$                  638
$            (600)
$       150,885
  U.S. treasury securities
           4,944
                          -
                 (95)
              4,849
  Obligations of state and

    political subdivisions
       101,281
                  3,854
                 (99)
          105,036
  Corporate obligations
         13,853
                     190
                 (85)
            13,958
  Mortgage-backed securities in

    government sponsored entities
         29,397
                     368
                 (37)
            29,728
  Equity securities in financial institutions
           1,137
                     553
                      -
              1,690
Total available-for-sale securities
$    301,459
$               5,603
$            (916)
$       306,146

Unrealized losses and fair value of investments
The following table shows the Company’s gross unrealized losses and fair value of the Company’s investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment category and length of time, which individual securities have been in a continuous unrealized loss position, at June 30, 2015 and December 31, 2014 (in thousands). As of June 30, 2015, the Company owned 72 securities whose fair value was less than their cost basis.

June 30, 2015
    Less than Twelve Months
    Twelve Months or Greater
    Total

    Gross

    Gross

    Gross

    Fair
    Unrealized
    Fair
    Unrealized
    Fair
    Unrealized

    Value
    Losses
    Value
    Losses
    Value
    Losses
U.S. agency securities
$        60,908
$           (302)
$        10,910
$             (83)
$        71,818
$           (385)
Obligations of state and

    political subdivisions
23,486
(263)
             5,212
                (80)
28,698
(343)
Corporate obligations
             5,434
                (31)
             2,184
                (18)
7,618
(49)
Mortgage-backed securities in

   government sponsored entities
4,616
(21)
                273
                (12)
4,889
(33)
    Total securities
$        94,444
$           (617)
$        18,579
$           (193)
$      113,023
$           (810)

December 31, 2014

U.S. agency securities
$        27,382
$           (110)
$        43,642
$           (490)
$        71,024
$           (600)
U.S. treasury securities
                     -
                     -
             4,849
                (95)
             4,849
                (95)
Obligations of states and

     political subdivisions
             3,596
                (19)
             8,584
                (80)
           12,180
                (99)
Corporate obligations
                505
                  (1)
             7,707
                (84)
             8,212
                (85)
Mortgage-backed securities in

     government sponsored entities
             5,025
                  (4)
             2,229
                (33)
             7,254
                (37)
    Total securities
$        36,508
$           (134)
$        67,011
$           (782)
$      103,519
$           (916)

Gross gains and losses on available-for-sale securities
The gross gains and losses were as follows (in thousands):

          Three Months Ended
       Six Months Ended

         June 30,
        June 30,

       2015
       2014
       2015
    2014
Gross gains
$           175
$                    75
$              312
$              246
Gross losses
                   -
                          -
                 (11)
                      -
Net gains
$           175
$                    75
$              301
$              246

Summary of amortized cost and fair value of debt securities by contractual maturity
The amortized cost and fair value of debt securities at June 30, 2015, by contractual maturity, are shown below (in thousands):

       Amortized

       Cost
       Fair Value
Available-for-sale debt securities:

  Due in one year or less
$        3,420
$               3,459
  Due after one year through five years
       166,695
              167,737
  Due after five years through ten years
         44,355
                45,146
  Due after ten years
         85,322
                86,675
Total
$    299,792
$           303,017

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CONSOLIDATED STATEMENT OF INCOME (UNAUDITED) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

INTEREST INCOME:

Interest and fees on loans $ 7,129 $ 7,118 $ 14,168 $ 14,106

Interest-bearing deposits with banks 39 13 70 26

Investment securities:

Taxable 765 849 1,519 1,737

Nontaxable 801 840 1,649 1,682

Dividends 34 69 133 119

TOTAL INTEREST INCOME 8,768 8,889 17,539 17,670

INTEREST EXPENSE:

Deposits 1,035 1,094 2,044 2,199

Borrowed funds 172 145 347 309

TOTAL INTEREST EXPENSE 1,207 1,239 2,391 2,508

NET INTEREST INCOME 7,561 7,650 15,148 15,162

Provision for loan losses 120 150 240 330

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 7,441 7,500 14,908 14,832

NON-INTEREST INCOME:

Service charges 1,028 1,102 2,004 2,141

Trust 180 186 374 377

Brokerage and insurance 255 137 382 257

Gains on loans sold 60 30 98 70

Investment securities gains, net 175 75 301 246

Earnings on bank owned life insurance 154 121 306 242

Other 103 104 218 209

TOTAL NON-INTEREST INCOME 1,955 1,755 3,683 3,542

NON-INTEREST EXPENSES:

Salaries and employee benefits 2,993 2,893 6,049 5,810

Occupancy 348 304 717 654

Furniture and equipment 87 94 215 194

Professional fees 180 208 412 442

FDIC insurance 116 116 232 229

Pennsylvania shares tax 200 191 401 384

Other 1,504 1,194 2,737 2,378

TOTAL NON-INTEREST EXPENSES 5,428 5,000 10,763 10,091

Income before provision for income taxes 3,968 4,255 7,828 8,283

Provision for income taxes 779 890 1,519 1,742

NET INCOME $ 3,189 $ 3,365 $ 6,309 $ 6,541

PER COMMON SHARE DATA:

Net Income - Basic (in dollars per share) $ 1.06 $ 1.11 $ 2.09 $ 2.15

Net Income - Diluted (in dollars per share) 1.06 1.11 2.09 2.15

Cash Dividends Paid (in dollars per share) $ 0.405 $ 0.385 $ 0.810 $ 0.770

Number of shares used in computation - basic (in shares) 3,019,661 3,039,734 3,022,945 3,040,822

Number of shares used in computation - diluted (in shares) 3,020,725 3,040,661 3,023,479 3,041,227

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XML 37 R12.htm IDEA: XBRL DOCUMENT v3.2.0.727

Federal Home Loan Bank Stock
6 Months Ended

Jun. 30, 2015

Federal Home Loan Bank Stock [Abstract]

Federal Home Loan Bank Stock
Note 6 – Federal Home Loan Bank Stock

The Bank is a member of the FHLB of Pittsburgh and, as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. As of June 30, 2015 and December 31, 2014, the Bank’s investment in FHLB stock was $1,590,000 and $1,761,000, respectively. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated by management.  The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) a significant decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) the impact of legislative and regulatory changes on the customer base of the FHLB and (d) the liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.  Management considered that the FHLB’s regulatory capital ratios have improved, liquidity appears adequate, new shares of FHLB stock continue to exchange hands at the $100 par value and the FHLB has repurchased shares of excess capital stock from its members and has paid a quarterly cash dividend.

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XML 38 R11.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loans
6 Months Ended

Jun. 30, 2015

Loans [Abstract]

Loans
Note 5 – Loans

The Company grants loans primarily to customers throughout North Central Pennsylvania and Southern New York.  Although the Company had a diversified loan portfolio at June 30, 2015 and December 31, 2014, a substantial portion of its debtors’ ability to honor their contracts is dependent on the economic conditions within these regions. The following table summarizes the primary segments of the loan portfolio and how those segments are analyzed within the allowance for loan losses as of June 30, 2015 and December 31, 2014 (in thousands):

June 30, 2015

    Total Loans
Individually
evaluated for
impairment
Collectively
evaluated for
impairment
Real estate loans:

     Residential

$                 181,566
$                        333
$                 181,233
     Commercial and agricultural

                    224,450
                        5,578
                    218,872
     Construction

                        8,025
                                -
                        8,025
Consumer

                        8,374
                                -
                        8,374
Other commercial and agricultural loans
                      64,506
                        2,248
                      62,258
State and political subdivision loans

                      84,730
                                -
                      84,730
Total

                    571,651
$                     8,159
$                 563,492
Allowance for loan losses

                        6,959

Net loans

$                 564,692

December 31, 2014

Real estate loans:

     Residential

$                 185,438
$                        316
$                 185,122
     Commercial and agricultural

                    215,584
                        6,112
                    209,472
     Construction

                        6,353
                                -
                        6,353
Consumer

                        8,497
                                -
                        8,497
Other commercial and agricultural loans

                      58,516
                        2,394
                      56,122
State and political subdivision loans

                      79,717
                                -
                      79,717
Total

                    554,105
$                     8,822
$                 545,283
Allowance for loan losses

                        6,815

Net loans

$                 547,290

The segments of the Company’s loan portfolio are disaggregated into classes to a level that allows management to monitor risk and performance. Residential real estate mortgages consists primarily of 15 to 30 year first mortgages on residential real estate, while residential real estate home equity loans are consumer purpose installment loans or lines of credit secured by a mortgage which is often a second lien on residential real estate with terms of 15 years or less. Commercial real estate loans are business purpose loans secured by a mortgage on commercial real estate. Agricultural real estate loans are loans secured by a mortgage on real estate used in agriculture production. Construction real estate loans are loans secured by residential or commercial real estate used during the construction phase of residential and commercial projects. Consumer loans are typically unsecured or primarily secured by assets other than real estate and overdraft lines of credit are typically secured by customer deposit accounts. Other commercial loans are loans for commercial purposes primarily secured by non-real estate collateral. Other agricultural loans are loans for agricultural purposes primarily secured by non-real estate collateral. State and political subdivision loans are loans to state and local municipalities for capital and operating expenses or tax free loans used to finance commercial development.

Management considers commercial loans, other agricultural loans, state and political subdivision loans, commercial real estate loans and agricultural real estate loans which are 90 days or more past due to be impaired. Management will also consider a loan impaired based on other factors it becomes aware of, including the customer’s results of operations and cash flows or if the loan is modified in a troubled debt restructuring. In addition, certain residential mortgages, home equity and consumer loans that are cross collateralized with commercial relationships that are determined to be impaired may also be classified as impaired. Impaired loans are analyzed to determine if it is probable that all amounts will not be collected according to the contractual terms of the loan agreement. If management determines that the value of the impaired loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allocation of the allowance for loan losses or a charge-off to the allowance for loan losses.

The following table includes the recorded investment and unpaid principal balances for impaired financing receivables by class, with the associated allowance amount, if applicable (in thousands):

Recorded
Recorded

Unpaid
Investment
Investment
Total

Principal
With No
With
Recorded
Related
June 30, 2015
Balance
Allowance
Allowance
Investment
Allowance
Real estate loans:

     Mortgages
$       305
$          118
$          152
$          270
$          29
     Home Equity
            63
                  -
               63
               63
             12
     Commercial
       8,051
          5,469
             109
          5,578
             48
     Agricultural
               -
                  -
                  -
                  -
                -
     Construction
               -
                  -
                  -
                  -
                -
Consumer
               -
                  -
                  -
                  -
                -
Other commercial loans
       2,354
          1,164
          1,084
          2,248
           185
Other agricultural loans
               -
                  -
                  -
                  -
                -
State and political subdivision loans
               -
                  -
                  -
                  -
                -
Total
$  10,773
$       6,751
$       1,408
$       8,159
$        274

December 31, 2014

Real estate loans:

     Mortgages
$       222
$          125
$            66
$          191
$          13
     Home Equity
          130
               60
               65
             125
             12
     Commercial
       8,433
          5,708
             404
          6,112
             72
     Agricultural
               -
                  -
                  -
                  -
                -
     Construction
               -
                  -
                  -
                  -
                -
Consumer
               -
                  -
                  -
                  -
                -
Other commercial loans
       2,480
          2,346
               48
          2,394
               1
Other agricultural loans
               -
                  -
                  -
                  -
                -
State and political subdivision loans
               -
                  -
                  -
                  -
                -
Total
$  11,265
$       8,239
$          583
$       8,822
$          98

The following tables includes the average balance of impaired financing receivables by class and the income recognized on impaired loans for the three and six month periods ended June 30, 2015 and 2014(in thousands):

For the Six Months ended

June 30, 2015
June 30, 2014

Interest

Interest

Average
Interest
Income
Average
Interest
Income

Recorded
Income
Recognized
Recorded
Income
Recognized

Investment
Recognized
Cash Basis
Investment
Recognized
Cash Basis
Real estate loans:

     Mortgages
$       224
$              4
$              5
$          202
$            4
$               -
     Home Equity
          114
                 2
                  -
             132
               2
                  -
     Commercial
       5,862
               32
                  -
          8,039
             44
                  -
     Agricultural
               -
                  -
                  -
                  -
                -
                  -
     Construction
               -
                  -
                  -
                  -
                -
                  -
Consumer
               -
                  -
                  -
               15
                -
                  -
Other commercial loans
       2,678
               49
                 3
          2,000
             46
                  -
Other agricultural loans
               -
                  -
                  -
                  -
                -
                  -
State and political

   subdivision loans
               -
                  -
                  -
                  -
                -
                  -
Total
$    8,878
$            87
$              8
$     10,388
$          96
$               -

For the Three Months Ended

June 30, 2015
June 30, 2014
Real estate loans:

     Mortgages
$       259
$              2
$              5
$          200
$            2
$               -
     Home Equity
          103
                 1
                  -
             131
               1
                  -
     Commercial
       5,700
               19
                  -
          7,544
             18
                  -
     Agricultural
               -
                  -
                  -
                  -
                -
                  -
     Construction
               -
                  -
                  -
                  -
                -
                  -
Consumer
               -
                  -
                  -
               15
                -
                  -
Other commercial loans
       2,629
               24
                 2
          2,108
             13
                  -
Other agricultural loans
               -
                  -
                  -
                  -
                -
                  -
State and political

   subdivision loans
               -
                  -
                  -
                  -
                -
                  -
Total
$    8,691
$            46
$              7
$       9,998
$          34
$               -

Credit Quality Information

For commercial real estate, agricultural real estate, construction, other commercial, other agricultural and state and political subdivision loans, management uses a nine grade internal risk rating system to monitor credit quality. The first five categories are considered not criticized and are aggregated as “Pass” rated. The criticized rating categories utilized by management generally follow bank regulatory definitions. The definitions of each rating are defined below:

·
Pass (Grades 1-5) – These loans are to customers with credit quality ranging from an acceptable to very high quality and are protected by the current net worth and paying capacity of the obligor or by the value of the underlying collateral.

·
Special Mention (Grade 6) – This loan grade is in accordance with regulatory guidance and includes loans where a potential weakness or risk exists, which could cause a more serious problem if not corrected.

·
Substandard (Grade 7) – This loan grade is in accordance with regulatory guidance and includes loans that have a well-defined weakness based on objective evidence and be characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.

·
Doubtful (Grade 8) – This loan grade is in accordance with regulatory guidance and includes loans that have all the weaknesses inherent in a substandard asset. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances.

·
Loss (Grade 9) – This loan grade is in accordance with regulatory guidance and includes loans that are considered uncollectible, or of such value that continuance as an asset is not warranted.

To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay the loan as agreed, the Company’s loan rating process includes several layers of internal and external oversight. The Company’s loan officers are responsible for the timely and accurate risk rating of the loans in each of their portfolios at origination and on an ongoing basis under the supervision of management.  All commercial and agricultural loans are reviewed annually to ensure the appropriateness of the loan grade. In addition, the Company engages an external consultant on at least an annual basis to 1) review a minimum of 55% of the dollar volume of the commercial loan portfolio on an annual basis, 2) review new loans originated for over $1.0 million in the last year, 3) review a majority of borrowers with commitments greater than or equal to $1.0 million,  4) review selected loan relationships over $750,000 which are over 30 days past due, classified Special Mention, Substandard, Doubtful, or Loss, and 5) such other loans which management or the consultant deems appropriate.

The following tables represent credit exposures by internally assigned grades as of June 30, 2015 and December 31, 2014 (in thousands):

June 30, 2015
Pass
Special
Mention
Substandard
Doubtful
Loss
Ending Balance
Real estate loans:

     Commercial
$          177,073
$           4,390
$                  12,220
$                44
$              -
$          193,727
     Agricultural
               27,638
              2,600
                          485
                      -
                 -
               30,723
     Construction
                 8,025
                      -
                              -
                      -
                 -
                 8,025
Other commercial loans
               45,715
                 817
                       5,443
                 145
                 -
               52,120
Other agricultural loans
               11,989
                 397
                              -
                      -
                 -
               12,386
State and political

   subdivision loans
               84,730
                      -
                              -
                      -
                 -
               84,730
Total
$          355,170
$           8,204
$                  18,148
$              189
$              -
$          381,711

December 31, 2014

Real estate loans:

     Commercial
$          169,383
$           8,948
$                  12,614
$                   -
$              -
$          190,945
     Agricultural
               19,575
              3,394
                       1,670
                      -
                 -
               24,639
     Construction
                 6,353
                      -
                              -
                      -
                 -
                 6,353
Other commercial loans
               40,683
              4,413
                       2,355
                      -
                 -
               47,451
Other agricultural loans
                 9,221
                 727
                       1,117
                      -
                 -
               11,065
State and political

   subdivision loans
               79,717
                      -
                              -
                      -
                 -
               79,717
Total
$          324,932
$         17,482
$                  17,756
$                   -
$              -
$          360,170

For residential real estate mortgages, home equity and consumer loans, credit quality is monitored based on whether the loan is performing or non-performing, which is typically based on the aging status of the loan and payment activity, unless a specific action, such as bankruptcy, repossession, death or significant delay in payment occurs to raise awareness of a possible credit event. Non-performing loans include those loans that are considered nonaccrual, described in more detail below and all loans past due 90 or more days and still accruing. The following table presents the recorded investment in those loan classes based on payment activity as of June 30, 2015 and December 31, 2014 (in thousands):

June 30, 2015
Performing
Non-performing
Total
Real estate loans:

     Mortgages
$          119,649
$             1,160
$                120,809
     Home Equity
               60,608
                 149
                     60,757
Consumer
                 8,320
                   54
                       8,374
Total
$          188,577
$           1,363
$                189,940

December 31, 2014

Real estate loans:

     Mortgages
$          121,968
$              890
$                122,858
     Home Equity
               62,296
                 284
                     62,580
Consumer
                 8,444
                   53
                       8,497
Total
$          192,708
$           1,227
$                193,935

Aging Analysis of Past Due Financing Receivables

Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following table includes an aging analysis of the recorded investment of past due financing receivables as of June 30, 2015 and December 31, 2014 (in thousands):

90 Days or

30-59 Days
60-89 Days
90 Days
Total Past

Total Financing
Greater and
June 30, 2015
Past Due
Past Due
Or Greater
Due
Current
Receivables
Accruing
Real estate loans:

     Mortgages
$        502
$        154
$        866
$     1,522
$   119,287
$           120,809
$            380
     Home Equity
           395
             84
           136
           615
        60,142
                60,757
                 80
     Commercial
           114
           524
        4,034
        4,672
      189,055
              193,727
               104
     Agricultural
             39
           170
                -
           209
        30,514
                30,723
                   -
     Construction
                -
                -
                -
                -
          8,025
                  8,025
                   -
Consumer
             38
             30
             12
             80
          8,294
                  8,374
                   1
Other commercial loans
           526
             56
           919
        1,501
        50,619
                52,120
               261
Other agricultural loans
                -
             97
                -
             97
        12,289
                12,386
                   -
State and political subdivision loans
                -
                -
                -
                -
        84,730
                84,730
                   -

Total
$     1,614
$     1,115
$     5,967
$     8,696
$   562,955
$           571,651
$            826
Loans considered non-accrual
$        524
$        496
$     5,141
$     6,161
$          406
$               6,567

Loans still accruing
        1,090
           619
           826
        2,535
      562,549
              565,084

Total
$     1,614
$     1,115
$     5,967
$     8,696
$   562,955
$           571,651

December 31, 2014

Real estate loans:

     Mortgages
$        318
$        230
$        675
$     1,223
$   121,635
$           122,858
$            214
     Home Equity
           442
             99
           260
           801
        61,779
                62,580
               132
     Commercial
             97
           231
        1,432
        1,760
      189,185
              190,945
               310
     Agricultural
                -
                -
                -
                -
        24,639
                24,639
                   -
     Construction
                -
                -
                -
                -
          6,353
                  6,353
                   -
Consumer
           119
               4
               7
           130
          8,367
                  8,497
                   6
Other commercial loans
           503
           258
           476
        1,237
        46,214
                47,451
               174
Other agricultural loans
                -
                -
                -
                -
        11,065
                11,065
                   -
State and political subdivision loans
                -
                -
                -
                -
        79,717
                79,717
                   -

Total
$     1,479
$        822
$     2,850
$     5,151
$   548,954
$           554,105
$            836
Loans considered non-accrual
$          48
$        181
$     2,014
$     2,243
$       4,356
$               6,599

Loans still accruing
        1,431
           641
           836
        2,908
      544,598
              547,506

Total
$     1,479
$        822
$     2,850
$     5,151
$   548,954
$           554,105

Nonaccrual Loans

Loans are considered for non-accrual status upon reaching 90 days delinquency, although the Company may be receiving partial payments of interest and partial repayments of principal on such loans or if full payment of principal and interest is not expected. Additionally, if management is made aware of other information including bankruptcy, repossession, death, or legal proceedings, the loan may be placed on non-accrual status. If a loan is 90 days or more past due and is well secured and in the process of collection, it may still be considered accruing.

The following table reflects the financing receivables on non-accrual status as of June 30, 2015 and December 31, 2014, respectively. The balances are presented by class of financing receivable (in thousands):

       June 30, 2015

       December 31, 2014
Real estate loans:

     Mortgages
$                780

$                   676
     Home Equity
                     69

                      152
     Commercial
                4,547

                   5,010
     Agricultural
                      -

                        -
     Construction
                      -

                        -
Consumer
                     53

                        47
Other commercial loans
                1,118

                      714
Other agricultural loans
                      -

                        -
State and political subdivision loans
                      -

                        -

$             6,567

$                6,599

Troubled Debt Restructurings

In situations where, for economic or legal reasons related to a borrower's financial difficulties, management may grant a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a Troubled Debt Restructuring (TDR). Management strives to identify borrowers in financial difficulty early and work with them to modify more affordable terms before their loan reaches nonaccrual status. These modified terms may include rate reductions, principal forgiveness, payment forbearance and other actions intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. In cases where borrowers are granted new terms that provide for a reduction of interest or principal, or both, management measures any impairment on the restructuring by calculating the present value of the revised loan terms and comparing this balance to the Company’s investment in the loan prior to the restructuring. As these loans are individually evaluated, they are excluded from pooled portfolios when calculating the allowance for loan and lease losses and a separate allocation within the allowance for loan and lease losses is provided. Management continually evaluates loans that are considered TDRs, including payment history under the modified loan terms, the borrower’s ability to continue to repay the loan based on continued evaluation of their operating results and cash flows from operations. Based on this evaluation management would no longer consider a loan to be a TDR when the relevant facts support such a conclusion. As of June 30, 2015 and December 31, 2014, included within the allowance for loan losses are reserves of $41,000 and $26,000 respectively, that are associated with loans modified as TDRs.

Loan modifications that are considered TDRs completed during the three and six months ended June 30, 2015 and 2014 were as follows (dollars in thousands):

For the Three Months Ended June 30, 2015

Number of contracts
Pre-modification Outstanding
Recorded Investment
Post-Modification
Outstanding Recorded
Investment

Interest
Modification
Term Modification
Interest
Modification
Term Modification
Interest Modification
Term
Modification
Real estate loans:

     Mortgages
                     -
                          1
$                    -
  $                  19
$                  -
  $              19
Total
                     -
                          1
$                    -
$                  19
$                  -
$              19

For the Six Months Ended June 30, 2015

Number of contracts
Pre-modification Outstanding
Recorded Investment
Post-Modification
Outstanding Recorded
Investment

Interest
Modification
Term Modification
Interest
Modification
Term
Modification
Interest
Modification
Term
Modification
Real estate loans:

     Mortgages
                    1
                          1
$                 71
$                  19
$               71
  $               19
Total
                    1
                          1
$                 71
$                  19
$               71
$               19

For the Three Months Ended June 30, 2014

Number of contracts
Pre-modification Outstanding
Recorded Investment
Post-Modification Outstanding
Recorded Investment

Interest
Modification
Term Modification
Interest
Modification
Term Modification
Interest
Modification
Term Modification
Real estate loans:

     Commercial
                     -
                          1
$                   -
$                28
$                  -
$             28
Total
                     -
                          1
$                   -
$                28
$                  -
$             28

For the Six Months Ended June 30, 2014

Number of contracts
Pre-modification Outstanding
Recorded Investment
Post-Modification Outstanding
Recorded Investment

Interest
Modification
Term Modification
Interest
Modification
Term Modification
Interest
Modification
Term
Modification
Real estate loans:

     Commercial
                     -
2
$                   -
$                153
$                  -
$             153
Total
                     -
                         2
$                   -
$                153
$                  -
$             153

Recidivism, or the borrower defaulting on its obligation pursuant to a modified loan, results in the loan once again becoming a non-accrual loan. Recidivism occurs at a notably higher rate than do defaults on new origination loans, so modified loans present a higher risk of loss than do new origination loans. The following table presents the recorded investment in loans that were modified as TDRs during each 12-month period prior to the current reporting periods, which begin January 1, 2015 and 2014 (six month periods) and April 1, 2015 and 2014 (3 month periods), respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):

For the Three Months Ended
For the Six Months Ended

June 30, 2015
June 30, 2014
June 30, 2015
June 30, 2014

Number of
contracts
Recorded
investment
Number of
contracts
Recorded
investment
Number of
contracts
Recorded
investment
Number of
contracts
Recorded
investment
Real estate loans:

     Commercial
                   -
$              -
                   -
$              -
                   -
$              -
             1
$              483
Total recidivism
                   -
$              -
                   -
$              -
                   -
$              -
             1
$              483

Allowance for Loan Losses

The following table segregates the allowance for loan losses (ALLL) into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of June 30,2015 and December 31, 2014, respectively (in thousands):

June 30, 2015

December 31, 2014

Individually
evaluated for impairment
Collectively
evaluated for impairment
Total

Individually evaluated for impairment
Collectively
evaluated for impairment
Total
Real estate loans:

     Residential
$           41
$         890
$         931

$           25
$           853
$             878
     Commercial and agricultural
              48
         3,631
3,679

              72
           3,798
             3,870
     Construction
                 -
              14
14

                 -
                26
                  26
Consumer
                 -
              89
89

                 -
                84
                  84
Other commercial and agricultural loans
            185
         1,317
1,502

                1
           1,223
             1,224
State and political subdivision loans
                 -
            568
568

                 -
              545
                545
Unallocated
                 -
            176
176

                 -
              188
                188
Total
$         274
$      6,685
$      6,959

$           98
$        6,717
$          6,815

The following tables roll forward the balance of the ALLL by portfolio segment for the three and six month periods ended June 30, 2015 and 2014, respectively (in thousands):

Balance at March 31, 2015
Charge-offs
Recoveries
Provision
Balance at June 30, 2015
Real estate loans:

     Residential
$         923
$          (17)
$              -
$         25
$         931
     Commercial and agricultural
         3,699
             (56)
                3
            33
         3,679
     Construction
              11
                 -
                 -
              3
              14
Consumer
              82
             (17)
                4
            20
              89
Other commercial and agricultural loans
         1,286
                 -
                 -
          216
         1,502
State and political subdivision loans
            572
                 -
                 -
            (4)
            568
Unallocated
            349
                 -
                 -
        (173)
            176
Total
$      6,922
$          (90)
$             7
$       120
$      6,959

Balance at December 31, 2014
Charge-offs
Recoveries
Provision
Balance at June 30, 2015
Real estate loans:

     Residential
$         878
$          (34)
$              -
$         87
$         931
     Commercial and agricultural
         3,870
             (56)
                7
        (142)
         3,679
     Construction
              26
                 -
                 -
          (12)
              14
Consumer
              84
             (24)
              12
            17
              89
Other commercial and agricultural loans
         1,224
               (1)
                 -
          279
         1,502
State and political subdivision loans
            545
                 -
                 -
            23
            568
Unallocated
            188
                 -
                 -
          (12)
            176
Total
$      6,815
$        (115)
$           19
$       240
$      6,959

Balance at
March 31,
2014
Charge-offs
Recoveries
Provision
Balance at
June 30,
2014
Real estate loans:

     Residential
$         886
$            (7)
$              -
$            -
$         879
     Commercial and agricultural
         4,530
           (465)
                3
        (259)
         3,809
     Construction
                8
                 -
                 -
              5
              13
Consumer
              83
               (6)
                6
              3
              86
Commercial and other loans
         1,173
           (163)
                 -
          141
         1,151
State and political subdivision loans
            396
                 -
                 -
            59
            455
Unallocated
            157
                 -
                 -
          201
            358
Total
$      7,233
$        (641)
$             9
$       150
$      6,751

Balance at
December 31,
2013
Charge-offs
Recoveries
Provision
Balance at
June 30,
2014
Real estate loans:

     Residential
$         946
$          (45)
$              -
$       (22)
$         879
     Commercial and agricultural
         4,558
           (475)
                5
        (279)
         3,809
     Construction
              50
                 -
                 -
          (37)
              13
Consumer
            105
             (14)
              15
          (20)
              86
Commercial and other loans
            942
           (163)
                 -
          372
         1,151
State and political subdivision loans
            330
                 -
                 -
          125
            455
Unallocated
            167
                 -
                 -
          191
            358
Total
$      7,098
$        (697)
$           20
$       330
$      6,751

The Company allocates the ALLL based on the factors described below, which conform to the Company’s loan classification policy and credit quality measurements. In reviewing risk within the Company’s loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The ALLL consists of amounts applicable to: (i) residential real estate loans; (ii) residential real estate home equity loans; (iii) commercial real estate loans; (iv) agricultural real estate loans; (v) real estate construction loans; (vi) other commercial and agricultural loans; (vii) consumer loans; (viii) other agricultural loans and (ix) state and political subdivision loans. Factors considered in this process include general loan terms, collateral, and availability of historical data to support the analysis. Historical loss percentages are calculated and used as the basis for calculating allowance allocations. Certain qualitative factors are evaluated to determine additional inherent risks in the loan portfolio, which are not necessarily reflected in the historical loss percentages. These factors are then added to the historical allocation percentage to get the adjusted factor to be applied to non-classified loans. The following qualitative factors are analyzed:

·
Level of and trends in delinquencies, impaired/classified loans

Change in volume and severity of past due loans

Volume of non-accrual loans

Volume and severity of classified, adversely or graded loans;
·
Level of and trends in charge-offs and recoveries;
·
Trends in volume, terms and nature of the loan portfolio;
·
Effects of any changes in risk selection and underwriting standards and any other changes in lending and recovery policies, procedures and practices;
·
Changes in the quality of the Company’s loan review system;
·
Experience, ability and depth of lending management and other relevant staff;

·
National, state, regional and local economic trends and business conditions

General economic conditions

Unemployment rates

Inflation rate/ Consumer Price Index

Changes in values of underlying collateral for collateral-dependent loans;
·
Industry conditions including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses; and
·
Existence and effect of any credit concentrations, and changes in the level of such concentrations; and
·
Any change in the level of board oversight.

The Company also maintains an unallocated allowance to account for any factors or conditions that may cause a potential loss but are not specifically addressed in the process described above. The Company analyzes its loan portfolio each quarter to determine the appropriateness of its ALLL.

Loans determined to be TDRs are impaired and for purposes of estimating the ALLL must be individually evaluated for impairment. In calculating the impairment, the Company calculates the present value utilizing an analysis of discounted cash flows. If the present value calculated is below the recorded investment of the loan, impairment is recognized by a charge to the provision for loan and lease losses and a credit to the ALLL.

We continually review the model utilized in calculating the required ALLL. The following qualitative factors experienced changes during the first six months of 2015:

·
The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all loan categories due to an increase in the unemployment rates in the local economy during the first six months of 2015.
·
The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the amount of loans classified as substandard.
·
The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial and agricultural loans due to an increase in the amount of loans classified as substandard.
·
The qualitative factor for levels of and trends in charge-offs and recoveries was decreased for commercial and agricultural real estate and other commercial and agricultural loans due to the decrease in charge-offs compared to the prior year as charge-offs returned to historical levels for the Bank.
·
The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for commercial real estate, agricultural real estate, other commercial and other agricultural loans due to the length of time employees involved throughout the loan process have been in their positions.
·
The qualitative factor for industry conditions, including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses was increased for commercial and agricultural related loans due to the decrease in the price received for product sold and the increase in feed costs that has occurred in 2015, which negatively affected customer earnings.
·
The qualitative factor for levels of and trends in charge-offs and recoveries was increased for residential real estate loans due to the increase in charge-offs compared to historical norms for the Company.
·
The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was increased for residential mortgages due to increases in the amount of delinquent loans.

The following qualitative factors experienced changes during the three months ended June 30, 2015:

·
The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the amount of loans classified as substandard.
·
The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial and agricultural loans due to an increase in the amount of loans classified as substandard.

·
The qualitative factor for levels of and trends in charge-offs and recoveries was decreased for commercial and agricultural real estate and other commercial and agricultural loans due to the decrease in charge-offs compared to the prior year as charge-offs returned to historical levels for the Bank.
·
The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for all commercial real estate, agricultural real estate, other commercial and other agricultural loans due to the length of time employees involved throughout the loan process have been in their positions.

The primary factor that resulted in negative provision for commercial and agricultural loans for the six month period ended June 30, 2015 was the reduction in the amount of special mention and substandard loans since December 31, 2014.

The following qualitative factors experienced changes during the first six months of 2014:

·
The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for all loan categories due to a decrease in the unemployment rates in the local economy.
·
The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the Company’s classified loans to its lowest level in three years.
·
The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial and agricultural loans due to an increase in classified loans during the quarter.
·
The qualitative factor for levels of and trends in charge-offs and recoveries was increased for commercial and agricultural real estate and other commercial and agricultural loans due to the increase in charge-offs compared to historical norms for the Bank.
·
The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for all loan categories due to the length of time employees involved throughout the loan process have been in their positions.

The following qualitative factors experienced changes during the three months ended June 30, 2014:

·
The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for all loan categories due to a decrease in the unemployment rates in the local economy.
·
The qualitative factor for levels of and trends in charge-offs and recoveries was increased for commercial and agricultural real estate and other commercial and agricultural loans due to the increase in charge-offs compared to historical norms for the Bank.
·
The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for all loan categories due to the length of time employees involved throughout the loan process have been in their positions.
·
The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the Company’s classified loans.
·
The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial and agricultural loans due to an increase in classified loans during the quarter.

The primary factor that resulted in negative provisions for certain portfolio segments for the three and six month periods ended June 30, 2014 was due to decreases in the outstanding balances for certain portfolio segments compared to December 31, 2013, a reduction in the amount of substandard loans and the decrease in the qualitative factor associated with the improvement in unemployment rates noted above.

Foreclosed Assets Held For Sale

Foreclosed assets acquired in settlement of loans are carried at fair value, less estimated costs to sell, and are included in other assets on the Consolidated Balance Sheet. As of June 30, 2015 and December 31, 2014 included with other assets are $1,815,000 and 1,792,000, respectively, of foreclosed assets. As of June 30, 2015, included within the foreclosed assets is $422,000 of consumer residential mortgages that were foreclosed on or received via a deed in lieu transaction prior to the period end. As of June 30, 2015, the Company has initiated formal foreclosure proceeds on $1,329,000 of consumer residential mortgages, which have not yet been transferred into foreclosed assets.

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Earnings per Share (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Basic earnings per share computation [Abstract]

Net income applicable to common stock $ 3,189 $ 3,365 $ 6,309 $ 6,541

Weighted average common shares outstanding (in shares) 3,019,661 3,039,734 3,022,945 3,040,822

Earnings per share - basic (in dollars per share) $ 1.06 $ 1.11 $ 2.09 $ 2.15

Diluted earnings per share computation [Abstract]

Weighted average common shares outstanding for basic earnings per share (in shares) 3,019,661 3,039,734 3,022,945 3,040,822

Add: Dilutive effects of restricted stock (in shares) 1,064 927 534 405

Weighted average common shares outstanding for dilutive earnings per share (in shares) 3,020,725 3,040,661 3,023,479 3,041,227

Earnings per share - diluted (in dollars per share) $ 1.06 $ 1.11 $ 2.09 $ 2.15

Restricted Stock [Member]

Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]

Antidilutive restricted stock excluded from net income per share calculations (in shares) 3,287 2,188 3,287 2,409

Restricted Stock [Member] | Minimum [Member]

Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]

Antidilutive stock share price range (in dollars per share) $ 44.50 $ 50.15 $ 44.50 $ 34.70

Restricted Stock [Member] | Maximum [Member]

Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]

Antidilutive stock share price range (in dollars per share) $ 53.15 $ 50.50 $ 53.15 $ 50.50

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Loans (Tables)
6 Months Ended

Jun. 30, 2015

Loans [Abstract]

Summary of loan portfolio and allowance for loan losses
The following table summarizes the primary segments of the loan portfolio and how those segments are analyzed within the allowance for loan losses as of June 30, 2015 and December 31, 2014 (in thousands):

June 30, 2015

    Total Loans
Individually
evaluated for
impairment
Collectively
evaluated for
impairment
Real estate loans:

     Residential

$                 181,566
$                        333
$                 181,233
     Commercial and agricultural

                    224,450
                        5,578
                    218,872
     Construction

                        8,025
                                -
                        8,025
Consumer

                        8,374
                                -
                        8,374
Other commercial and agricultural loans
                      64,506
                        2,248
                      62,258
State and political subdivision loans

                      84,730
                                -
                      84,730
Total

                    571,651
$                     8,159
$                 563,492
Allowance for loan losses

                        6,959

Net loans

$                 564,692

December 31, 2014

Real estate loans:

     Residential

$                 185,438
$                        316
$                 185,122
     Commercial and agricultural

                    215,584
                        6,112
                    209,472
     Construction

                        6,353
                                -
                        6,353
Consumer

                        8,497
                                -
                        8,497
Other commercial and agricultural loans

                      58,516
                        2,394
                      56,122
State and political subdivision loans

                      79,717
                                -
                      79,717
Total

                    554,105
$                     8,822
$                 545,283
Allowance for loan losses

                        6,815

Net loans

$                 547,290

Impaired financing receivables with associated allowance amount
The following table includes the recorded investment and unpaid principal balances for impaired financing receivables by class, with the associated allowance amount, if applicable (in thousands):

Recorded
Recorded

Unpaid
Investment
Investment
Total

Principal
With No
With
Recorded
Related
June 30, 2015
Balance
Allowance
Allowance
Investment
Allowance
Real estate loans:

     Mortgages
$       305
$          118
$          152
$          270
$          29
     Home Equity
            63
                  -
               63
               63
             12
     Commercial
       8,051
          5,469
             109
          5,578
             48
     Agricultural
               -
                  -
                  -
                  -
                -
     Construction
               -
                  -
                  -
                  -
                -
Consumer
               -
                  -
                  -
                  -
                -
Other commercial loans
       2,354
          1,164
          1,084
          2,248
           185
Other agricultural loans
               -
                  -
                  -
                  -
                -
State and political subdivision loans
               -
                  -
                  -
                  -
                -
Total
$  10,773
$       6,751
$       1,408
$       8,159
$        274

December 31, 2014

Real estate loans:

     Mortgages
$       222
$          125
$            66
$          191
$          13
     Home Equity
          130
               60
               65
             125
             12
     Commercial
       8,433
          5,708
             404
          6,112
             72
     Agricultural
               -
                  -
                  -
                  -
                -
     Construction
               -
                  -
                  -
                  -
                -
Consumer
               -
                  -
                  -
                  -
                -
Other commercial loans
       2,480
          2,346
               48
          2,394
               1
Other agricultural loans
               -
                  -
                  -
                  -
                -
State and political subdivision loans
               -
                  -
                  -
                  -
                -
Total
$  11,265
$       8,239
$          583
$       8,822
$          98

The following tables includes the average balance of impaired financing receivables by class and the income recognized on impaired loans for the three and six month periods ended June 30, 2015 and 2014(in thousands):

For the Six Months ended

June 30, 2015
June 30, 2014

Interest

Interest

Average
Interest
Income
Average
Interest
Income

Recorded
Income
Recognized
Recorded
Income
Recognized

Investment
Recognized
Cash Basis
Investment
Recognized
Cash Basis
Real estate loans:

     Mortgages
$       224
$              4
$              5
$          202
$            4
$               -
     Home Equity
          114
                 2
                  -
             132
               2
                  -
     Commercial
       5,862
               32
                  -
          8,039
             44
                  -
     Agricultural
               -
                  -
                  -
                  -
                -
                  -
     Construction
               -
                  -
                  -
                  -
                -
                  -
Consumer
               -
                  -
                  -
               15
                -
                  -
Other commercial loans
       2,678
               49
                 3
          2,000
             46
                  -
Other agricultural loans
               -
                  -
                  -
                  -
                -
                  -
State and political

   subdivision loans
               -
                  -
                  -
                  -
                -
                  -
Total
$    8,878
$            87
$              8
$     10,388
$          96
$               -

For the Three Months Ended

June 30, 2015
June 30, 2014
Real estate loans:

     Mortgages
$       259
$              2
$              5
$          200
$            2
$               -
     Home Equity
          103
                 1
                  -
             131
               1
                  -
     Commercial
       5,700
               19
                  -
          7,544
             18
                  -
     Agricultural
               -
                  -
                  -
                  -
                -
                  -
     Construction
               -
                  -
                  -
                  -
                -
                  -
Consumer
               -
                  -
                  -
               15
                -
                  -
Other commercial loans
       2,629
               24
                 2
          2,108
             13
                  -
Other agricultural loans
               -
                  -
                  -
                  -
                -
                  -
State and political

   subdivision loans
               -
                  -
                  -
                  -
                -
                  -
Total
$    8,691
$            46
$              7
$       9,998
$          34
$               -

Summary of financing receivable credit exposures by internally assigned grades
The following tables represent credit exposures by internally assigned grades as of June 30, 2015 and December 31, 2014 (in thousands):

June 30, 2015
Pass
Special
Mention
Substandard
Doubtful
Loss
Ending Balance
Real estate loans:

     Commercial
$          177,073
$           4,390
$                  12,220
$                44
$              -
$          193,727
     Agricultural
               27,638
              2,600
                          485
                      -
                 -
               30,723
     Construction
                 8,025
                      -
                              -
                      -
                 -
                 8,025
Other commercial loans
               45,715
                 817
                       5,443
                 145
                 -
               52,120
Other agricultural loans
               11,989
                 397
                              -
                      -
                 -
               12,386
State and political

   subdivision loans
               84,730
                      -
                              -
                      -
                 -
               84,730
Total
$          355,170
$           8,204
$                  18,148
$              189
$              -
$          381,711

December 31, 2014

Real estate loans:

     Commercial
$          169,383
$           8,948
$                  12,614
$                   -
$              -
$          190,945
     Agricultural
               19,575
              3,394
                       1,670
                      -
                 -
               24,639
     Construction
                 6,353
                      -
                              -
                      -
                 -
                 6,353
Other commercial loans
               40,683
              4,413
                       2,355
                      -
                 -
               47,451
Other agricultural loans
                 9,221
                 727
                       1,117
                      -
                 -
               11,065
State and political

   subdivision loans
               79,717
                      -
                              -
                      -
                 -
               79,717
Total
$          324,932
$         17,482
$                  17,756
$                   -
$              -
$          360,170

The following table presents the recorded investment in those loan classes based on payment activity as of June 30, 2015 and December 31, 2014 (in thousands):

June 30, 2015
Performing
Non-performing
Total
Real estate loans:

     Mortgages
$          119,649
$             1,160
$                120,809
     Home Equity
               60,608
                 149
                     60,757
Consumer
                 8,320
                   54
                       8,374
Total
$          188,577
$           1,363
$                189,940

December 31, 2014

Real estate loans:

     Mortgages
$          121,968
$              890
$                122,858
     Home Equity
               62,296
                 284
                     62,580
Consumer
                 8,444
                   53
                       8,497
Total
$          192,708
$           1,227
$                193,935

Aging analysis of past due financing receivables
The following table includes an aging analysis of the recorded investment of past due financing receivables as of June 30, 2015 and December 31, 2014 (in thousands):

90 Days or

30-59 Days
60-89 Days
90 Days
Total Past

Total Financing
Greater and
June 30, 2015
Past Due
Past Due
Or Greater
Due
Current
Receivables
Accruing
Real estate loans:

     Mortgages
$        502
$        154
$        866
$     1,522
$   119,287
$           120,809
$            380
     Home Equity
           395
             84
           136
           615
        60,142
                60,757
                 80
     Commercial
           114
           524
        4,034
        4,672
      189,055
              193,727
               104
     Agricultural
             39
           170
                -
           209
        30,514
                30,723
                   -
     Construction
                -
                -
                -
                -
          8,025
                  8,025
                   -
Consumer
             38
             30
             12
             80
          8,294
                  8,374
                   1
Other commercial loans
           526
             56
           919
        1,501
        50,619
                52,120
               261
Other agricultural loans
                -
             97
                -
             97
        12,289
                12,386
                   -
State and political subdivision loans
                -
                -
                -
                -
        84,730
                84,730
                   -

Total
$     1,614
$     1,115
$     5,967
$     8,696
$   562,955
$           571,651
$            826
Loans considered non-accrual
$        524
$        496
$     5,141
$     6,161
$          406
$               6,567

Loans still accruing
        1,090
           619
           826
        2,535
      562,549
              565,084

Total
$     1,614
$     1,115
$     5,967
$     8,696
$   562,955
$           571,651

December 31, 2014

Real estate loans:

     Mortgages
$        318
$        230
$        675
$     1,223
$   121,635
$           122,858
$            214
     Home Equity
           442
             99
           260
           801
        61,779
                62,580
               132
     Commercial
             97
           231
        1,432
        1,760
      189,185
              190,945
               310
     Agricultural
                -
                -
                -
                -
        24,639
                24,639
                   -
     Construction
                -
                -
                -
                -
          6,353
                  6,353
                   -
Consumer
           119
               4
               7
           130
          8,367
                  8,497
                   6
Other commercial loans
           503
           258
           476
        1,237
        46,214
                47,451
               174
Other agricultural loans
                -
                -
                -
                -
        11,065
                11,065
                   -
State and political subdivision loans
                -
                -
                -
                -
        79,717
                79,717
                   -

Total
$     1,479
$        822
$     2,850
$     5,151
$   548,954
$           554,105
$            836
Loans considered non-accrual
$          48
$        181
$     2,014
$     2,243
$       4,356
$               6,599

Loans still accruing
        1,431
           641
           836
        2,908
      544,598
              547,506

Total
$     1,479
$        822
$     2,850
$     5,151
$   548,954
$           554,105

Summary of financing receivables on nonaccrual status
The following table reflects the financing receivables on non-accrual status as of June 30, 2015 and December 31, 2014, respectively. The balances are presented by class of financing receivable (in thousands):

       June 30, 2015

       December 31, 2014
Real estate loans:

     Mortgages
$                780

$                   676
     Home Equity
                     69

                      152
     Commercial
                4,547

                   5,010
     Agricultural
                      -

                        -
     Construction
                      -

                        -
Consumer
                     53

                        47
Other commercial loans
                1,118

                      714
Other agricultural loans
                      -

                        -
State and political subdivision loans
                      -

                        -

$             6,567

$                6,599

Summary of troubled debt restructurings on financing receivables
Loan modifications that are considered TDRs completed during the three and six months ended June 30, 2015 and 2014 were as follows (dollars in thousands):

For the Three Months Ended June 30, 2015

Number of contracts
Pre-modification Outstanding
Recorded Investment
Post-Modification
Outstanding Recorded
Investment

Interest
Modification
Term Modification
Interest
Modification
Term Modification
Interest Modification
Term
Modification
Real estate loans:

     Mortgages
                     -
                          1
$                    -
  $                  19
$                  -
  $              19
Total
                     -
                          1
$                    -
$                  19
$                  -
$              19

For the Six Months Ended June 30, 2015

Number of contracts
Pre-modification Outstanding
Recorded Investment
Post-Modification
Outstanding Recorded
Investment

Interest
Modification
Term Modification
Interest
Modification
Term
Modification
Interest
Modification
Term
Modification
Real estate loans:

     Mortgages
                    1
                          1
$                 71
$                  19
$               71
  $               19
Total
                    1
                          1
$                 71
$                  19
$               71
$               19

For the Three Months Ended June 30, 2014

Number of contracts
Pre-modification Outstanding
Recorded Investment
Post-Modification Outstanding
Recorded Investment

Interest
Modification
Term Modification
Interest
Modification
Term Modification
Interest
Modification
Term Modification
Real estate loans:

     Commercial
                     -
                          1
$                   -
$                28
$                  -
$             28
Total
                     -
                          1
$                   -
$                28
$                  -
$             28

For the Six Months Ended June 30, 2014

Number of contracts
Pre-modification Outstanding
Recorded Investment
Post-Modification Outstanding
Recorded Investment

Interest
Modification
Term Modification
Interest
Modification
Term Modification
Interest
Modification
Term
Modification
Real estate loans:

     Commercial
                     -
2
$                   -
$                153
$                  -
$             153
Total
                     -
                         2
$                   -
$                153
$                  -
$             153

The following table presents the recorded investment in loans that were modified as TDRs during each 12-month period prior to the current reporting periods, which begin January 1, 2015 and 2014 (six month periods) and April 1, 2015 and 2014 (3 month periods), respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):

For the Three Months Ended
For the Six Months Ended

June 30, 2015
June 30, 2014
June 30, 2015
June 30, 2014

Number of
contracts
Recorded
investment
Number of
contracts
Recorded
investment
Number of
contracts
Recorded
investment
Number of
contracts
Recorded
investment
Real estate loans:

     Commercial
                   -
$              -
                   -
$              -
                   -
$              -
             1
$              483
Total recidivism
                   -
$              -
                   -
$              -
                   -
$              -
             1
$              483

Allowance for loan losses by impairment method
The following table segregates the allowance for loan losses (ALLL) into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of June 30,2015 and December 31, 2014, respectively (in thousands):

June 30, 2015

December 31, 2014

Individually
evaluated for impairment
Collectively
evaluated for impairment
Total

Individually evaluated for impairment
Collectively
evaluated for impairment
Total
Real estate loans:

     Residential
$           41
$         890
$         931

$           25
$           853
$             878
     Commercial and agricultural
              48
         3,631
3,679

              72
           3,798
             3,870
     Construction
                 -
              14
14

                 -
                26
                  26
Consumer
                 -
              89
89

                 -
                84
                  84
Other commercial and agricultural loans
            185
         1,317
1,502

                1
           1,223
             1,224
State and political subdivision loans
                 -
            568
568

                 -
              545
                545
Unallocated
                 -
            176
176

                 -
              188
                188
Total
$         274
$      6,685
$      6,959

$           98
$        6,717
$          6,815

Roll forward of allowance for loan losses by portfolio segment
The following tables roll forward the balance of the ALLL by portfolio segment for the three and six month periods ended June 30, 2015 and 2014, respectively (in thousands):

Balance at March 31, 2015
Charge-offs
Recoveries
Provision
Balance at June 30, 2015
Real estate loans:

     Residential
$         923
$          (17)
$              -
$         25
$         931
     Commercial and agricultural
         3,699
             (56)
                3
            33
         3,679
     Construction
              11
                 -
                 -
              3
              14
Consumer
              82
             (17)
                4
            20
              89
Other commercial and agricultural loans
         1,286
                 -
                 -
          216
         1,502
State and political subdivision loans
            572
                 -
                 -
            (4)
            568
Unallocated
            349
                 -
                 -
        (173)
            176
Total
$      6,922
$          (90)
$             7
$       120
$      6,959

Balance at December 31, 2014
Charge-offs
Recoveries
Provision
Balance at June 30, 2015
Real estate loans:

     Residential
$         878
$          (34)
$              -
$         87
$         931
     Commercial and agricultural
         3,870
             (56)
                7
        (142)
         3,679
     Construction
              26
                 -
                 -
          (12)
              14
Consumer
              84
             (24)
              12
            17
              89
Other commercial and agricultural loans
         1,224
               (1)
                 -
          279
         1,502
State and political subdivision loans
            545
                 -
                 -
            23
            568
Unallocated
            188
                 -
                 -
          (12)
            176
Total
$      6,815
$        (115)
$           19
$       240
$      6,959

Balance at
March 31,
2014
Charge-offs
Recoveries
Provision
Balance at
June 30,
2014
Real estate loans:

     Residential
$         886
$            (7)
$              -
$            -
$         879
     Commercial and agricultural
         4,530
           (465)
                3
        (259)
         3,809
     Construction
                8
                 -
                 -
              5
              13
Consumer
              83
               (6)
                6
              3
              86
Commercial and other loans
         1,173
           (163)
                 -
          141
         1,151
State and political subdivision loans
            396
                 -
                 -
            59
            455
Unallocated
            157
                 -
                 -
          201
            358
Total
$      7,233
$        (641)
$             9
$       150
$      6,751

Balance at
December 31,
2013
Charge-offs
Recoveries
Provision
Balance at
June 30,
2014
Real estate loans:

     Residential
$         946
$          (45)
$              -
$       (22)
$         879
     Commercial and agricultural
         4,558
           (475)
                5
        (279)
         3,809
     Construction
              50
                 -
                 -
          (37)
              13
Consumer
            105
             (14)
              15
          (20)
              86
Commercial and other loans
            942
           (163)
                 -
          372
         1,151
State and political subdivision loans
            330
                 -
                 -
          125
            455
Unallocated
            167
                 -
                 -
          191
            358
Total
$      7,098
$        (697)
$           20
$       330
$      6,751

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XML 41 R15.htm IDEA: XBRL DOCUMENT v3.2.0.727

Fair Value Measurements
6 Months Ended

Jun. 30, 2015

Fair Value Measurements [Abstract]

Fair Value Measurements
Note 9 – Fair Value Measurements

The Company established a hierarchal disclosure framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined by this hierarchy are as follows:

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

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

Level III:
Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.

A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below.

In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality, the Company's creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. Our valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Transfers between levels of the fair value hierarchy are recognized on the actual date of the event or circumstances that caused the transfer, which generally coincides with the Company’s monthly and/or quarterly valuation process.

Financial Instruments Recorded at Fair Value on a Recurring Basis

The fair values of securities available for sale are determined by quoted prices in active markets, when available, and classified as Level I. If quoted market prices are not available, the fair value is determined by a matrix pricing, which is a mathematical technique, widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities and classified as Level II. The fair values consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things.

The following tables present the assets and liabilities reported on the Consolidated Balance Sheet at their fair value on a recurring basis as of June 30, 2015 and December 31, 2014 by level within the fair value hierarchy (in thousands). Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.

June 30, 2015

Level I

Level II

Level III

Total
Assets

  Securities available for sale:

     U.S. Agency securities

$                -

$             167,580

$                    -

$             167,580
     Obligations of state and

        political subdivisions

                   -

96,282

                       -

96,282
     Corporate obligations

                   -

12,805

                       -

12,805
     Mortgage-backed securities in

       government sponsored entities

                   -

26,350

                       -

26,350
     Equity securities in financial

       institutions

           1,775

                            -

                       -

1,775

December 31, 2014

Level I

Level II

Level III

Total
Securities available for sale:

     U.S. agency securities

$                -

$             150,885

$                    -

$             150,885
     U.S. treasuries securities

                   -

4,849

                       -

4,849
     Obligations of state and

       political subdivisions

                   -

105,036

                       -

105,036
     Corporate obligations

                   -

13,958

                       -

13,958
     Mortgage-backed securities in

       government sponsored entities

                   -

29,728

                       -

29,728
     Equity securities in financial

       institutions

           1,690

                            -

                       -

1,690

Financial Instruments, Non-Financial Assets and Non-Financial Liabilities Recorded at Fair Value on a Nonrecurring Basis

The Company may be required, from time to time, to measure certain financial assets, financial liabilities, non-financial assets and non-financial liabilities at fair value on a nonrecurring basis in accordance with U.S. generally accepted accounting principles. These include assets that are measured at the lower of cost or market value that were recognized at fair value below cost at the end of the period. Certain non-financial assets measured at fair value on a non-recurring basis include foreclosed assets (upon initial recognition or subsequent impairment).
Non-financial assets measured at fair value on a non-recurring basis during 2015 and 2014 include certain foreclosed assets which, upon initial recognition, were remeasured and reported at fair value through a charge-off to the allowance for possible loan losses and certain foreclosed assets which, subsequent to their initial recognition, were remeasured at fair value through a write-down included in other non-interest expense.

·
Impaired Loans - Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment using one of several methods, including collateral value, liquidation value and discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. Collateral values are estimated using Level II inputs based on observable market data and Level III inputs based on customized discounting criteria. For a majority of impaired real estate related loans, the Company obtains a current external appraisal. Other valuation techniques are used as well, including internal valuations, comparable property analysis and contractual sales information.
·
Other Real Estate owned – Other real estate owned, which is obtained through the Bank’s foreclosure process, is valued utilizing the appraised collateral value. Collateral values are estimated using Level II inputs based on observable market data and Level III inputs based on customized discounting criteria. At the time the foreclosure is completed, the Company obtains an updated external appraisal.

Assets measured at fair value on a nonrecurring basis as of June 30, 2015 and December 31, 2014 are included in the table below (in thousands):

June 30, 2015

Level I

Level II

Level III

Total
Impaired Loans

$                -

$                         -

$            7,885

$                 7,885
Other real estate owned

                   -

                            -

1,815

1,815

December 31, 2014

Impaired Loans

$                -

$                         -

$            8,724

$                 8,724
Other real estate owned

                   -

                            -

               1,792

1,792

The following table provides a listing of the significant unobservable inputs used in the fair value measurement process for items valued utilizing level III techniques.

Quantitative Information about Level 3 Fair Value Measurements

June 30, 2015
Fair Value

Valuation Technique(s)
Unobservable input
Range
Weighted average

Impaired Loans
$  206

Discounted Cash Flows
Change in interest rates
0-5.5%
3.21%

  7,679

Appraised Collateral Values
Discount for time since appraisal
0-30%
17.09%

Selling costs
5%-10%
9.28%

Holding period
0 - 18 months
12 months

Other real estate owned
  1,815

Appraised Collateral Values
Discount for time since appraisal
0-20%
20%

Selling costs
4%-10%
9%

Holding period
0 - 18 months
12

December 31, 2014
Fair Value

Valuation Technique(s)
Unobservable input
Range

Impaired Loans
$  230

Discounted Cash Flows
Change in interest rates
0-5.5%
1.99%

  8,494

Appraised Collateral Values
Discount for time since appraisal
0-30%
22.00%

Selling costs
4%-10%
8.55%

Holding period
0 - 18 months
15 months

Other real estate owned
  1,792

Appraised Collateral Values
Discount for time since appraisal
0-20%
20%

Selling costs
4%-10%
9%

Holding period
0 - 18 months
12

The fair values of the Company’s financial instruments are as follows (in thousands):

Carrying

June 30, 2015
Amount
Fair Value
Level I
Level II
Level III
Financial assets:

Cash and due from banks
$   10,912
$   10,912
$   10,912
$          -
$             -
Interest bearing time deposits with other banks
        5,960
        5,969

5,969
Available-for-sale securities
    304,792
    304,792
        1,775
303,017

Loans held for sale
        1,152
        1,152
        1,152

Net loans
    564,692
    580,732
                -
             -
    580,732
Bank owned life insurance
      20,615
      20,615
      20,615
             -
                -
Regulatory stock
        1,864
        1,864
        1,864
             -
                -
Accrued interest receivable
        3,584
        3,584
3,584
             -
                -

Financial liabilities:

Deposits
$ 791,887
$ 792,477
$ 544,830
$          -
$ 247,647
Borrowed funds
      39,194
      36,080
        6,287
             -
      29,793
Accrued interest payable
           674
           674
674
             -
                -

Carrying

December 31, 2014
Amount
Fair Value
Level I
Level II
Level III
Financial assets:

Cash and due from banks
$   11,423
$   11,423
$   11,423
$          -
$             -
Interest bearing time deposits with other banks
        5,960
        5,969
                -
             -
        5,969
Available-for-sale securities
    306,146
    306,146
        1,690
304,456
                -
Loans held for sale
           497
           497
           497

Net loans
    547,290
    564,944
                -
             -
    564,944
Bank owned life insurance
      20,309
      20,309
      20,309
             -
                -
Regulatory stock
        2,035
        2,035
        2,035
             -
                -
Accrued interest receivable
        3,644
        3,644
        3,644
             -
                -

Financial liabilities:

Deposits
$ 773,933
$ 774,387
$ 525,166
$          -
$ 249,221
Borrowed funds
      41,799
      38,219
      16,593
             -
      21,626
Accrued interest payable
           756
           756
756
             -
                -

Fair value is determined based on relevant market information and information about the financial instrument.  These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument.  Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions can significantly affect the estimates.

Fair values have been determined by the Company using historical data, as generally provided in the Company’s regulatory reports, and an estimation methodology suitable for each category of financial instruments. The Company’s fair value estimates, methods and assumptions are set forth below for the Company’s other financial instruments.

Cash and Cash Equivalents:

The carrying amounts for cash and cash equivalents approximate fair value because they have original maturities of 90 days or less and do not present unanticipated credit concerns.

Accrued Interest Receivable and Payable:

The carrying amounts for accrued interest receivable and payable approximate fair value because they are generally received or paid in 90 days or less and do not present unanticipated credit concerns.

Interest bearing time deposits with other banks:

The fair value of interest bearing time deposits with other banks is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.

Available-For-Sale Securities:

The fair values of securities available for sale are determined by quoted prices in active markets, when available, and classified as Level I. If quoted market prices are not available, the fair value is determined by a matrix pricing, which is a mathematical technique, widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities and classified as Level II. The fair values consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things.

Loans held for sale:

The carrying amount for loans held for sale approximates fair value as the loans are only held for less than a week from origination.

Loans:

Fair values are estimated for portfolios of loans with similar financial characteristics.  The fair value of performing loans has been estimated by discounting expected future cash flows. The discount rate used in these calculations is derived from the Treasury yield curve adjusted for credit quality, operating expense and prepayment option price, and is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risk inherent in the loan. The estimate of maturity is based on the Company’s historical experience with repayments for each loan classification, modified as required by an estimate of the effect of current economic and lending conditions.

Bank Owned Life Insurance:

The carrying value of bank owned life insurance approximates fair value based on applicable redemption provisions.

Regulatory Stock:

The carrying value of regulatory stock approximates fair value based on applicable redemption provisions.

Deposits:

The fair value of deposits with no stated maturity, such as noninterest-bearing demand deposits, savings and NOW accounts, and money market accounts, is equal to the amount payable on demand. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.

The deposits’ fair value estimates do not include the benefit that results from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market, commonly referred to as the core deposit intangible.

Borrowed Funds:

Rates available to the Company for borrowed funds with similar terms and remaining maturities are used to estimate the fair value of borrowed funds.

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Employee Benefit Plans
6 Months Ended

Jun. 30, 2015

Employee Benefit Plans [Abstract]

Employee Benefit Plans
Note 7 - Employee Benefit Plans

For additional detailed disclosure on the Company's pension and employee benefits plans, please refer to Note 11 of the Company's Consolidated Financial Statements included in the 2014 Annual Report on Form 10-K.

Noncontributory Defined Benefit Pension Plan

The Bank sponsors a noncontributory defined benefit pension plan (“Pension Plan”) covering substantially all employees and officers that were hired prior to January 1, 2007. The Bank’s funding policy is to make annual contributions, if needed, based upon the funding formula developed by the plan’s actuary. Any employee with a hire date of January 1, 2007 or later is not eligible to participate in the Pension Plan. In lieu of the Pension Plan, employees with a hire date of January 1, 2007 or later are eligible to receive, after meeting certain length of service requirements, an annual discretionary 401(k) plan contribution from the Bank equal to a percentage of an employee’s base compensation.  The contribution amount, if any, is placed in a separate account within the 401(k) plan and is subject to a vesting requirement.

For employees who are eligible to participate in the Pension Plan, the Pension Plan requires benefits to be paid to eligible employees based primarily upon age and compensation rates during employment.  Upon retirement or other termination of employment, employees can elect either an annuity benefit or a lump sum distribution of vested benefits in the Pension Plan.

The following sets forth the components of net periodic benefit costs of the Pension Plan for the three and six months ended June 30, 2015 and 2014, respectively (in thousands):

Three Months Ended
Six Months Ended

June 30,
June 30,

2015
2014
2015
2014
Service cost
$               78
$   63
$             132
$                  153
Interest cost
                   90
    111
                153
                     207
Expected return on plan assets
              (172)
  (215)
              (290)
                    (393)
Net amortization and deferral
                   45
    (43)
                   76
                       25
Net periodic cost (benefit)
$               41
$ (84)
$               71
$                     (8)

The Company expects to contribute $400,000 to the Pension Plan in 2015.

Defined Contribution Plan

The Company sponsors a voluntary 401(k) savings plan which eligible employees can elect to contribute up to the maximum amount allowable not to exceed the limits of IRS Code Sections 401(k).  Under the plan, the Company also makes required contributions on behalf of the eligible employees.  The Company’s contributions vest immediately. Contributions by the Company totaled $155,000 and $146,000 for the six months ended June 30, 2015 and 2014, respectively. For the three months ended June 30, 2015 and 2014, contributions by the Company totaled $93,000 and $88,000, respectively.

Directors’ Deferred Compensation Plan

The Company’s directors may elect to defer all or portions of their fees until their retirement or termination from service.  Amounts deferred under the plan earn interest based upon the highest current rate offered to certificate of deposit customers.  Amounts deferred under the plan are not guaranteed and represent a general liability of the Company.  At June 30, 2015 and December 31, 2014, an obligation of $945,000 and $969,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet. Amounts included in interest expense on the deferred amounts totaled $5,000 and $6,000 for each of the three months ended June 30, 2015 and 2014. For the six months ended June 30, 2015 and 2014, amounts included in interest expense on the deferred amounts totaled $12,000 and $11,000, respectively.

Restricted Stock Plan

The Company maintains a Restricted Stock Plan (the “Plan”) whereby employees and non-employee corporate directors are eligible to receive awards of restricted stock based upon performance related requirements. Awards granted under the Plan are in the form of the Company’s common stock and are subject to certain vesting requirements including continuous employment or service with the Company. A total of 100,000 shares of the Company’s common stock have been authorized under the Plan, which terminates in April 2016. As of June 30, 2015, 60,662 shares remain available to be issued under the Plan. The Plan assists the Company in attracting, retaining and motivating employees to make substantial contributions to the success of the Company and to increase the emphasis on the use of equity as a key component of compensation.

The following table details the vesting, awarding and forfeiting of restricted shares during 2015 and 2014:

Three months ended June 30,
Six months ended June 30,

2015
2014
2015
2014

Weighted

Weighted

Weighted

Weighted

Unvested
Average
Unvested
Average
Unvested
Average
Unvested
Average

Shares
Market Price
Shares
Market Price
Shares
Market Price
Shares
Market Price
Outstanding, beginning of period
6,998
$          48.61
   6,240
$       43.55
6,971
$          48.55
   7,172
$       42.02
Granted
3,340
             49.87
   3,206
          53.10
3,496
             50.02
   3,598
          52.82
Forfeited
-
                     -
           -
                  -
-
                     -
           -
                  -
Vested
(3,320)
             45.62
  (2,259)
          42.06
(3,449)
             45.80
  (3,583)
          40.30
Outstanding, end of period
7,018
$          50.63
   7,187
$       48.28
7,018
$          50.63
   7,187
$       48.28

Compensation cost related to restricted stock is recognized based on the market price of the stock at the grant date over the vesting period. Compensation expense related to restricted stock was $85,000 and $73,000 for the six months ended June 30, 2015 and 2014, respectively. For the three months ended June 30, 2015 and 2014, compensation expense totaled $43,000 and $37,000, respectively. At June 30, 2015 the total compensation cost related to nonvested awards that has not yet been recognized was $355,000, which is expected to be recognized over the next 2.83 years.

Supplemental Executive Retirement Plan

The Company maintains a non-qualified supplemental executive retirement plan (“SERP”) for certain executives to compensate those executive participants in the Company’s noncontributory defined benefit pension plan whose benefits are limited by compensation limitations under current tax law. At June 30, 2015 and December 31, 2014, an obligation of $1,269,000 and $1,198,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet. Expenses related to this plan totaled $71,000 and $76,000 for the six months ended June 30, 2015 and 2014, respectively. For the three months ended June 30, 2015 and 2014, expenses totaled $36,000 and $38,000, respectively.

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Accumulated Comprehensive Income
6 Months Ended

Jun. 30, 2015

Accumulated Comprehensive Income [Abstract]

Accumulated Comprehensive Income
Note 8 – Accumulated Comprehensive Income

The following tables present the changes in accumulated other comprehensive income by component net of tax for the three and six months ended June 30, 2015 and 2014 (in thousands):

Three months ended June 30, 2015

Unrealized gain (loss) on
available for sale securities (a)
Defined Benefit
Pension Items (a)
Total
Balance as of March 31, 2015
$                     3,897
$     (2,294)
$      1,603
Other comprehensive income (loss) before reclassifications (net of tax)
                      (1,351)
               -
        (1,351)
Amounts reclassified from accumulated other

     comprehensive income (net of tax)
                         (116)
              35
             (81)
Net current period other comprehensive income (loss)
                      (1,467)
              35
        (1,432)
Balance as of June 30, 2015
$                     2,430
$     (2,259)
$         171

Six months ended June 30, 2015

Unrealized gain (loss) on
available for sale securities (a)
Defined Benefit
Pension Items (a)
Total
Balance as of December 31, 2014
$                     3,093
$     (2,326)
$         767
Other comprehensive income (loss) before reclassifications (net of tax)
                         (464)
               -
           (464)
Amounts reclassified from accumulated other

     comprehensive income (net of tax)
                         (199)
              67
           (132)
Net current period other comprehensive income (loss)
                  (663)
          67
       (596)
Balance as of June 30, 2015
$                     2,430
$     (2,259)
$         171

Three months ended June 30, 2014

Unrealized gain (loss) on available
for sale securities (a)
Defined Benefit
Pension Items (a)
Total
Balance as of March 31, 2014
$                     1,264
$     (1,110)
$         154
Other comprehensive income (loss) before reclassifications (net of tax)
                           986
               -
            986
Amounts reclassified from accumulated other

     comprehensive income (net of tax)
                           (49)
                9
             (40)
Net current period other comprehensive income (loss)
                           937
                9
            946
Balance as of June 30, 2014
$                     2,201
$     (1,101)
$      1,100

Six months ended June 30, 2014

Unrealized gain (loss) on available
for sale securities (a)
Defined Benefit
Pension Items (a)
Total
Balance as of December 31, 2013
$                      (108)
$     (1,117)
$     (1,225)
Other comprehensive income (loss) before reclassifications (net of tax)
                        2,471
               -
         2,471
Amounts reclassified from accumulated other

     comprehensive income  (net of tax)
                         (162)
              16
           (146)
Net current period other comprehensive income (loss)
                2,309
          16
     2,325
Balance as of June 30, 2014
$                     2,201
$     (1,101)
$      1,100

(a) Amounts in parentheses indicate debits to the Consolidated Balance Sheet

The following table presents the significant amounts reclassified out of each component of accumulated other comprehensive income for the three and six months ended June 30, 2015 and 2014 (in thousands):

Details about accumulated other comprehensive income
Amount reclassified from accumulated
comprehensive income (a)

Affected line item in the
statement where net Income is
presented

Three Months Ended  June 30,

2015
2014

Unrealized gains and losses on available for sale securities

$                          175
$                      75

Investment securities gains, net

                             (59)
                       (26)

Provision for income taxes

$                          116
$                      49

Net of tax
Defined benefit pension items

$                          (54)
$                    (13)

Salaries and employee benefits

                               19
                           4

Provision for income taxes

$                          (35)
$                      (9)

Net of tax

Total reclassifications
$                            81
$                      40

Six Months Ended  June 30,

2015
2014

Unrealized gains and losses on available for sale securities

$                          301
$                    246

Investment securities gains, net

                           (102)
                       (84)

Provision for income taxes

$                          199
$                    162

Net of tax
Defined benefit pension items

$                        (102)
$                    (25)

Salaries and employee benefits

                               35
                           9

Provision for income taxes

$                          (67)
$                    (16)

Net of tax

Total reclassifications
$                          132
$                    146

(a) Amounts in parentheses indicate expenses and other amounts indicate income on the Consolidated Statement of Income

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Recent Accounting Pronouncements
6 Months Ended

Jun. 30, 2015

Recent Accounting Pronouncements [Abstract]

Recent Accounting Pronouncements
Note 10 – Recent Accounting Pronouncements

In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (a new revenue recognition standard). The Update’s core principle is that a company will recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. In addition, this update specifies the accounting for certain costs to obtain or fulfill a contract with a customer and expands disclosure requirements for revenue recognition. This Update is effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. The Company is evaluating the effect of adopting this new accounting Update.

In June 2014, the FASB issued ASU 2014-11, Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures.  The amendments in this Update change the accounting for repurchase-to-maturity transactions to secured borrowing accounting.  For repurchase financing arrangements, the amendments require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty, which will result in secured borrowing accounting for the repurchase agreement.  The amendments also require enhanced disclosures. The accounting changes in this Update are effective for the first interim or annual period beginning after December 15, 2014.  An entity is required to present changes in accounting for transactions outstanding on the effective date as a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption. Earlier application is prohibited.  The disclosure for certain transactions accounted for as a sale is required to be presented for interim and annual periods beginning after December 15, 2014, and the disclosure for repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions accounted for as secured borrowings is required to be presented for annual periods beginning after December 15, 2014, and for interim periods beginning after March 15, 2015. The disclosures are not required to be presented for comparative periods before the effective date. This Update did not have a significant impact on the Company’s financial statements.

In August 2014, the FASB issued ASU 2014-15, Presentation of Financial Statements -Going Concern (Subtopic 205-40).  The amendments in this Update provide guidance in accounting principles generally accepted in the United States of America about management's responsibility to evaluate whether there is substantial doubt about an entity's ability to continue as a going concern and to provide related footnote disclosures.  The amendments in this Update are effective for the annual period ending after December 15, 2016, and for annual periods and interim periods thereafter. Early application is permitted.  This Update is not expected to have a significant impact on the Company’s financial statements.

In November 2014, the FASB issued ASU 2014-17, Business Combinations (Topic 805): Pushdown Accounting. The amendments in this Update apply to the separate financial statements of an acquired entity and its subsidiaries that are a business or nonprofit activity (either public or nonpublic) upon the occurrence of an event in which an acquirer (an individual or an entity) obtains control of the acquired entity.  An acquired entity may elect the option to apply pushdown accounting in the reporting period in which the change-in-control event occurs. If pushdown accounting is not applied in the reporting period in which the change-in-control event occurs, an acquired entity will have the option to elect to apply pushdown accounting in a subsequent reporting period to the acquired entity's most recent change-in-control event. The amendments in this Update are effective on November 18, 2014. After the effective date, an acquired entity can make an election to apply the guidance to future change-in-control events or to its most recent change-in-control event. This Update did not have a significant impact on the Company’s financial statements.

In February 2015, the FASB issued ASU 2015-02, Consolidation (Topic 810). The amendments in this Update affect reporting entities that are required to evaluate whether they should consolidate certain legal entities. All legal entities are subject to reevaluation under the revised consolidation model. Specifically, the amendments (1) Modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (VIEs) or voting interest entities; (2) Eliminate the presumption that a general partner should consolidate a limited partnership; (3) Affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships; (4) Provide a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements that are similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds.  The amendments in this Update are effective for public business entities for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015.  For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2016, and for interim periods within fiscal years beginning after December 15, 2017. This Update is not expected to have a significant impact on the Company’s financial statements.

In April 2015, the FASB issued ASU 2015-03, Interest-Imputation of Interest (Subtopic 835-30), as part of its initiative to reduce complexity in accounting standards.  To simplify presentation of debt issuance costs, the amendments in this Update require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this Update.  For public business entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years.  For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within fiscal years beginning after December 15, 2016.  An entity should apply the new guidance on a retrospective basis, wherein the balance sheet of each individual period presented should be adjusted to reflect the period-specific effects of applying the new guidance. This Update is not expected to have a significant impact on the Company’s financial statements.

In May 2015, the FASB issued ASU 2015-08, Business Combinations - Pushdown Accounting - Amendment to SEC Paragraphs Pursuant to Staff Accounting Bulletin No. 115. This ASU was issued to amend various SEC paragraphs pursuant to the issuance of Staff Accounting Bulletin No. 115. This Update is not expected to have a significant impact on the Company’s financial statements.

In June 2015, the FASB issued ASU 2015-10, Technical Corrections and Improvements. The amendments in this Update represent changes to clarify the Codification, correct unintended application of guidance, or make minor improvements to the Codification that are not expected to have a significant effect on current accounting practice or create a significant administrative cost to most entities. Transition guidance varies based on the amendments in this Update. The amendments in this Update that require transition guidance are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted, including adoption in an interim period. All other amendments will be effective upon the issuance of this Update.  This Update is not expected to have a significant impact on the Company’s financial statements.

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Accumulated Comprehensive Income, Reclassification (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]

Investment securities gains, net $ 175 $ 75 $ 301 $ 246

Provision for income taxes (779) (890) (1,519) (1,742)

Salaries and employee benefits (2,993) (2,893) (6,049) (5,810)

NET INCOME 3,189 3,365 6,309 6,541

Reclassification out of Accumulated Other Comprehensive Income [Member]

Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]

NET INCOME ^[1] 81 40 132 146

Unrealized Gains (Loss) On Available For Sale Securities [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]

Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]

Investment securities gains, net ^[1] 175 75 301 246

Provision for income taxes ^[1] (59) (26) (102) (84)

NET INCOME ^[1] 116 49 199 162

Defined Benefit Pension Items [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]

Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]

Provision for income taxes ^[1] 19 4 35 9

Salaries and employee benefits ^[1] (54) (13) (102) (25)

NET INCOME ^[1] $ (35) $ (9) $ (67) $ (16)

[1] Amounts in parentheses indicate expenses and other amounts indicate income on the Consolidated Statement of Income

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Accumulated Comprehensive Income (Tables)
6 Months Ended

Jun. 30, 2015

Accumulated Comprehensive Income [Abstract]

Schedule of changes in accumulated other comprehensive income by component net of tax
The following tables present the changes in accumulated other comprehensive income by component net of tax for the three and six months ended June 30, 2015 and 2014 (in thousands):

Three months ended June 30, 2015

Unrealized gain (loss) on
available for sale securities (a)
Defined Benefit
Pension Items (a)
Total
Balance as of March 31, 2015
$                     3,897
$     (2,294)
$      1,603
Other comprehensive income (loss) before reclassifications (net of tax)
                      (1,351)
               -
        (1,351)
Amounts reclassified from accumulated other

     comprehensive income (net of tax)
                         (116)
              35
             (81)
Net current period other comprehensive income (loss)
                      (1,467)
              35
        (1,432)
Balance as of June 30, 2015
$                     2,430
$     (2,259)
$         171

Six months ended June 30, 2015

Unrealized gain (loss) on
available for sale securities (a)
Defined Benefit
Pension Items (a)
Total
Balance as of December 31, 2014
$                     3,093
$     (2,326)
$         767
Other comprehensive income (loss) before reclassifications (net of tax)
                         (464)
               -
           (464)
Amounts reclassified from accumulated other

     comprehensive income (net of tax)
                         (199)
              67
           (132)
Net current period other comprehensive income (loss)
                  (663)
          67
       (596)
Balance as of June 30, 2015
$                     2,430
$     (2,259)
$         171

Three months ended June 30, 2014

Unrealized gain (loss) on available
for sale securities (a)
Defined Benefit
Pension Items (a)
Total
Balance as of March 31, 2014
$                     1,264
$     (1,110)
$         154
Other comprehensive income (loss) before reclassifications (net of tax)
                           986
               -
            986
Amounts reclassified from accumulated other

     comprehensive income (net of tax)
                           (49)
                9
             (40)
Net current period other comprehensive income (loss)
                           937
                9
            946
Balance as of June 30, 2014
$                     2,201
$     (1,101)
$      1,100

Six months ended June 30, 2014

Unrealized gain (loss) on available
for sale securities (a)
Defined Benefit
Pension Items (a)
Total
Balance as of December 31, 2013
$                      (108)
$     (1,117)
$     (1,225)
Other comprehensive income (loss) before reclassifications (net of tax)
                        2,471
               -
         2,471
Amounts reclassified from accumulated other

     comprehensive income  (net of tax)
                         (162)
              16
           (146)
Net current period other comprehensive income (loss)
                2,309
          16
     2,325
Balance as of June 30, 2014
$                     2,201
$     (1,101)
$      1,100

(a) Amounts in parentheses indicate debits to the Consolidated Balance Sheet

Schedule of the significant amounts reclassified out of each component of accumulated other comprehensive income
The following table presents the significant amounts reclassified out of each component of accumulated other comprehensive income for the three and six months ended June 30, 2015 and 2014 (in thousands):

Details about accumulated other comprehensive income
Amount reclassified from accumulated
comprehensive income (a)

Affected line item in the
statement where net Income is
presented

Three Months Ended  June 30,

2015
2014

Unrealized gains and losses on available for sale securities

$                          175
$                      75

Investment securities gains, net

                             (59)
                       (26)

Provision for income taxes

$                          116
$                      49

Net of tax
Defined benefit pension items

$                          (54)
$                    (13)

Salaries and employee benefits

                               19
                           4

Provision for income taxes

$                          (35)
$                      (9)

Net of tax

Total reclassifications
$                            81
$                      40

Six Months Ended  June 30,

2015
2014

Unrealized gains and losses on available for sale securities

$                          301
$                    246

Investment securities gains, net

                           (102)
                       (84)

Provision for income taxes

$                          199
$                    162

Net of tax
Defined benefit pension items

$                        (102)
$                    (25)

Salaries and employee benefits

                               35
                           9

Provision for income taxes

$                          (67)
$                    (16)

Net of tax

Total reclassifications
$                          132
$                    146

(a) Amounts in parentheses indicate expenses and other amounts indicate income on the Consolidated Statement of Income

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Loans (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Dec. 31, 2014

Segments of loan portfolio and allowance for loan losses [Abstract]

Total Loans $ 571,651 $ 554,105

Allowance for loan losses 6,959 6,815

Net loans 564,692 547,290

Individually evaluated for impairment 8,159 8,822

Collectively evaluated for impairment 563,492 545,283

Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]

Individually evaluated for impairment 274 98

Collectively evaluated for impairment 6,685 6,717

Total 6,959 $ 7,233 $ 6,815 $ 7,098 6,815

Financing Receivable, Allowance for Credit Losses [Roll Forward]

Balance at beginning of period 6,922 7,233 6,815 7,098

Charge-offs (90) (641) (115) (697)

Recoveries 7 9 19 20

Provision 120 150 240 330

Balance at end of period 6,959 6,751 $ 6,959 6,751

Minimum [Member]

Segments of loan portfolio and allowance for loan losses [Abstract]

Number of days past for loan to be considered impaired, Minimum 90 days

First Mortgage [Member] | Minimum [Member]

Segments of loan portfolio and allowance for loan losses [Abstract]

Period of mortgage on real estate 15 years

First Mortgage [Member] | Maximum [Member]

Segments of loan portfolio and allowance for loan losses [Abstract]

Period of mortgage on real estate 30 years

Second Mortgage [Member] | Maximum [Member]

Segments of loan portfolio and allowance for loan losses [Abstract]

Period of mortgage on real estate 15 years

Residential Real Estate Loans [Member]

Segments of loan portfolio and allowance for loan losses [Abstract]

Total Loans 181,566 185,438

Individually evaluated for impairment 333 316

Collectively evaluated for impairment 181,233 185,122

Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]

Individually evaluated for impairment 41 25

Collectively evaluated for impairment 890 853

Total 931 886 $ 931 946 878

Financing Receivable, Allowance for Credit Losses [Roll Forward]

Balance at beginning of period 923 886 878 946

Charge-offs (17) (7) (34) (45)

Recoveries 0 0 0 0

Provision 25 0 87 (22)

Balance at end of period 931 879 931 879

Commercial and Agricultural Real Estate Loans [Member]

Segments of loan portfolio and allowance for loan losses [Abstract]

Total Loans 224,450 215,584

Individually evaluated for impairment 5,578 6,112

Collectively evaluated for impairment 218,872 209,472

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Collectively evaluated for impairment 3,631 3,798

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Charge-offs (56) (465) (56) (475)

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Financing Receivable, Allowance for Credit Losses [Roll Forward]

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Charge-offs (17) (6) (24) (14)

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Segments of loan portfolio and allowance for loan losses [Abstract]

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Collectively evaluated for impairment 62,258 56,122

Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]

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Collectively evaluated for impairment 1,317 1,223

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Financing Receivable, Allowance for Credit Losses [Roll Forward]

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Segments of loan portfolio and allowance for loan losses [Abstract]

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Collectively evaluated for impairment 84,730 79,717

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Financing Receivable, Allowance for Credit Losses [Roll Forward]

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Charge-offs 0 0 0 0

Recoveries 0 0 0 0

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Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]

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Collectively evaluated for impairment 176 188

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Financing Receivable, Allowance for Credit Losses [Roll Forward]

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Charge-offs 0 0 0 0

Recoveries 0 0 0 0

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CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME (UNAUDITED) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME (UNAUDITED) [Abstract]

Net income $ 3,189 $ 3,365 $ 6,309 $ 6,541

Other comprehensive income (loss):

Change in unrealized gains on available for sale securities (2,049) 1,494 (704) 3,743

Income tax effect 698 (508) 240 (1,272)

Change in unrecognized pension cost 54 13 102 25

Income tax effect (19) (4) (35) (9)

Less: Reclassification adjustment for investment security gains included in net income (175) (75) (301) (246)

Income tax effect 59 26 102 84

Other comprehensive income (loss), net of tax (1,432) 946 (596) 2,325

Comprehensive income $ 1,757 $ 4,311 $ 5,713 $ 8,866

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Investments
6 Months Ended

Jun. 30, 2015

Investments [Abstract]

Investments
Note 4 – Investments

The amortized cost, gross unrealized gains and losses,  and fair value of investment securities at June 30, 2015 and December 31, 2014 were as follows (in thousands):

    Gross
    Gross

    Amortized
    Unrealized
    Unrealized
    Fair
June 30, 2015
    Cost
    Gains
    Losses
    Value
Available-for-sale securities:

  U.S. agency securities
$    167,187
$                  778
$            (385)
$       167,580
  Obligations of state and

    political subdivisions
         93,796
                  2,829
               (343)
            96,282
  Corporate obligations
         12,713
                     141
                 (49)
            12,805
  Mortgage-backed securities in

    government sponsored entities
         26,096
                     287
                 (33)
            26,350
  Equity securities in financial institutions
           1,318
                     457
                      -
              1,775
Total available-for-sale securities
$    301,110
$               4,492
$            (810)
$       304,792

December 31, 2014

Available-for-sale securities:

  U.S. agency securities
$    150,847
$                  638
$            (600)
$       150,885
  U.S. treasury securities
           4,944
                          -
                 (95)
              4,849
  Obligations of state and

    political subdivisions
       101,281
                  3,854
                 (99)
          105,036
  Corporate obligations
         13,853
                     190
                 (85)
            13,958
  Mortgage-backed securities in

    government sponsored entities
         29,397
                     368
                 (37)
            29,728
  Equity securities in financial institutions
           1,137
                     553
                      -
              1,690
Total available-for-sale securities
$    301,459
$               5,603
$            (916)
$       306,146

The following table shows the Company’s gross unrealized losses and fair value of the Company’s investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment category and length of time, which individual securities have been in a continuous unrealized loss position, at June 30, 2015 and December 31, 2014 (in thousands). As of June 30, 2015, the Company owned 72 securities whose fair value was less than their cost basis.

June 30, 2015
    Less than Twelve Months
    Twelve Months or Greater
    Total

    Gross

    Gross

    Gross

    Fair
    Unrealized
    Fair
    Unrealized
    Fair
    Unrealized

    Value
    Losses
    Value
    Losses
    Value
    Losses
U.S. agency securities
$        60,908
$           (302)
$        10,910
$             (83)
$        71,818
$           (385)
Obligations of state and

    political subdivisions
23,486
(263)
             5,212
                (80)
28,698
(343)
Corporate obligations
             5,434
                (31)
             2,184
                (18)
7,618
(49)
Mortgage-backed securities in

   government sponsored entities
4,616
(21)
                273
                (12)
4,889
(33)
    Total securities
$        94,444
$           (617)
$        18,579
$           (193)
$      113,023
$           (810)

December 31, 2014

U.S. agency securities
$        27,382
$           (110)
$        43,642
$           (490)
$        71,024
$           (600)
U.S. treasury securities
                     -
                     -
             4,849
                (95)
             4,849
                (95)
Obligations of states and

     political subdivisions
             3,596
                (19)
             8,584
                (80)
           12,180
                (99)
Corporate obligations
                505
                  (1)
             7,707
                (84)
             8,212
                (85)
Mortgage-backed securities in

     government sponsored entities
             5,025
                  (4)
             2,229
                (33)
             7,254
                (37)
    Total securities
$        36,508
$           (134)
$        67,011
$           (782)
$      103,519
$           (916)

As of June 30, 2015, the Company’s investment securities portfolio contained unrealized losses on agency securities issued or backed by the full faith and credit of the United States government or are generally viewed as having the implied guarantee of the U.S. government, obligations of states and political subdivisions, corporate obligations and mortgage backed securities issued by government sponsored entities. For fixed maturity investments management considers whether the present value of cash flows expected to be collected are less than the security’s amortized cost basis (the difference defined as the credit loss), the magnitude and duration of the decline, the reasons underlying the decline and the Company’s intent to sell the security or whether it is more likely than not that the Company would be required to sell the security before its anticipated recovery in market value, to determine whether the loss in value is other than temporary. Once a decline in value is determined to be other than temporary, if the Company does not intend to sell the security, and it is more likely than not that it will not be required to sell the security before recovery of the security’s amortized cost basis, the charge to earnings is limited to the amount of credit loss. Any remaining difference between fair value and amortized cost (the difference defined as the non-credit portion) is recognized in other comprehensive income, net of applicable taxes. Otherwise, the entire difference between fair value and amortized cost is charged to earnings. For equity securities where the fair value has been significantly below cost for one year, the Company’s policy is to recognize an impairment loss unless sufficient evidence is available that the decline is not other than temporary and a recovery period can be predicted.  The Company has concluded that any impairment of its investment securities portfolio outlined in the above table is not other than temporary and is the result of interest rate changes, sector credit rating changes, or issuer-specific rating changes that are not expected to result in the non-collection of principal and interest during the period.

Proceeds from sales of securities available-for-sale for the six months ended June 30, 2015 and 2014 were $18,393,000 and $12,151,000, respectively.  For the three months ended June 30, 2015 and 2014, there were sales of $3,770,000 and $6,595,000, respectively, of available-for-sale securities. The gross gains and losses were as follows (in thousands):

          Three Months Ended
       Six Months Ended

         June 30,
        June 30,

       2015
       2014
       2015
    2014
Gross gains
$           175
$                    75
$              312
$              246
Gross losses
                   -
                          -
                 (11)
                      -
Net gains
$           175
$                    75
$              301
$              246

Investment securities with an approximate carrying value of $170.9 million and $186.4 million at June 30, 2015 and December 31, 2014, respectively, were pledged to secure public funds and certain other deposits.

Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.   The amortized cost and fair value of debt securities at June 30, 2015, by contractual maturity, are shown below (in thousands):

       Amortized

       Cost
       Fair Value
Available-for-sale debt securities:

  Due in one year or less
$        3,420
$               3,459
  Due after one year through five years
       166,695
              167,737
  Due after five years through ten years
         44,355
                45,146
  Due after ten years
         85,322
                86,675
Total
$    299,792
$           303,017

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Loans, Impaired Financing Receivable (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Dec. 31, 2014

Impaired Financing Receivable [Abstract]

Unpaid Principal Balance $ 10,773 $ 10,773 $ 11,265

Recorded Investment With No Allowance 6,751 6,751 8,239

Recorded Investment With Allowance 1,408 1,408 583

Total Recorded Investment 8,159 8,159 8,822

Related Allowance 274 274 98

Average Recorded Investment 8,691 $ 9,998 8,878 $ 10,388

Interest Income Recognized 46 34 87 96

Interest Income Recognized Cash Basis 7 0 8 0

Real Estate Loans [Member] | Mortgages [Member]

Impaired Financing Receivable [Abstract]

Unpaid Principal Balance 305 305 222

Recorded Investment With No Allowance 118 118 125

Recorded Investment With Allowance 152 152 66

Total Recorded Investment 270 270 191

Related Allowance 29 29 13

Average Recorded Investment 259 200 224 202

Interest Income Recognized 2 2 4 4

Interest Income Recognized Cash Basis 5 0 5 0

Real Estate Loans [Member] | Home Equity [Member]

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Unpaid Principal Balance 63 63 130

Recorded Investment With No Allowance 0 0 60

Recorded Investment With Allowance 63 63 65

Total Recorded Investment 63 63 125

Related Allowance 12 12 12

Average Recorded Investment 103 131 114 132

Interest Income Recognized 1 1 2 2

Interest Income Recognized Cash Basis 0 0 0 0

Real Estate Loans [Member] | Commercial [Member]

Impaired Financing Receivable [Abstract]

Unpaid Principal Balance 8,051 8,051 8,433

Recorded Investment With No Allowance 5,469 5,469 5,708

Recorded Investment With Allowance 109 109 404

Total Recorded Investment 5,578 5,578 6,112

Related Allowance 48 48 72

Average Recorded Investment 5,700 7,544 5,862 8,039

Interest Income Recognized 19 18 32 44

Interest Income Recognized Cash Basis 0 0 0 0

Real Estate Loans [Member] | Agricultural [Member]

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Recorded Investment With Allowance 0 0 0

Total Recorded Investment 0 0 0

Related Allowance 0 0 0

Average Recorded Investment 0 0

Interest Income Recognized 0 0

Interest Income Recognized Cash Basis 0 0

Real Estate Loans [Member] | Construction [Member]

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Recorded Investment With Allowance 0 0 0

Total Recorded Investment 0 0 0

Related Allowance 0 0 0

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Interest Income Recognized 0 0

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Consumer [Member]

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Recorded Investment With No Allowance 0 0 0

Recorded Investment With Allowance 0 0 0

Total Recorded Investment 0 0 0

Related Allowance 0 0 0

Average Recorded Investment 0 15 0 15

Interest Income Recognized 0 0 0 0

Interest Income Recognized Cash Basis 0 0 0 0

Other Commercial Loans [Member]

Impaired Financing Receivable [Abstract]

Unpaid Principal Balance 2,354 2,354 2,480

Recorded Investment With No Allowance 1,164 1,164 2,346

Recorded Investment With Allowance 1,084 1,084 48

Total Recorded Investment 2,248 2,248 2,394

Related Allowance 185 185 1

Average Recorded Investment 2,629 2,108 2,678 2,000

Interest Income Recognized 24 13 49 46

Interest Income Recognized Cash Basis 2 0 3 0

Other Commercial Loans [Member] | Agricultural [Member]

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Average Recorded Investment 0 0

Interest Income Recognized 0 0

Interest Income Recognized Cash Basis 0 0

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Average Recorded Investment 0 0

Interest Income Recognized 0 0

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Recorded Investment With Allowance 0 0 0

Total Recorded Investment 0 0 0

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Average Recorded Investment 0 0 0 0

Interest Income Recognized 0 0 0 0

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Employee Benefit Plans (Tables)
6 Months Ended

Jun. 30, 2015

Employee Benefit Plans [Abstract]

Components of net periodic benefit costs
The following sets forth the components of net periodic benefit costs of the Pension Plan for the three and six months ended June 30, 2015 and 2014, respectively (in thousands):

Three Months Ended
Six Months Ended

June 30,
June 30,

2015
2014
2015
2014
Service cost
$               78
$   63
$             132
$                  153
Interest cost
                   90
    111
                153
                     207
Expected return on plan assets
              (172)
  (215)
              (290)
                    (393)
Net amortization and deferral
                   45
    (43)
                   76
                       25
Net periodic cost (benefit)
$               41
$ (84)
$               71
$                     (8)

Schedule of restricted stock activity
The following table details the vesting, awarding and forfeiting of restricted shares during 2015 and 2014:

Three months ended June 30,
Six months ended June 30,

2015
2014
2015
2014

Weighted

Weighted

Weighted

Weighted

Unvested
Average
Unvested
Average
Unvested
Average
Unvested
Average

Shares
Market Price
Shares
Market Price
Shares
Market Price
Shares
Market Price
Outstanding, beginning of period
6,998
$          48.61
   6,240
$       43.55
6,971
$          48.55
   7,172
$       42.02
Granted
3,340
             49.87
   3,206
          53.10
3,496
             50.02
   3,598
          52.82
Forfeited
-
                     -
           -
                  -
-
                     -
           -
                  -
Vested
(3,320)
             45.62
  (2,259)
          42.06
(3,449)
             45.80
  (3,583)
          40.30
Outstanding, end of period
7,018
$          50.63
   7,187
$       48.28
7,018
$          50.63
   7,187
$       48.28

X

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- Definition
Tabular disclosure of the components of net benefit costs for pension plans and/or other employee benefit plans including service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) recognized due to settlements or curtailments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (h)

-URI http://asc.fasb.org/extlink&oid=58740216&loc=d3e1928-114920

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Disclosure of the number and weighted-average grant date fair value for restricted stock and restricted stock units that were outstanding at the beginning and end of the year, and the number of restricted stock and restricted stock units that were granted, vested, or forfeited during the year.
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Investments (Details) $ in Thousands	3 Months Ended		6 Months Ended
Investments (Details) $ in Thousands	Jun. 30, 2015 USD ($) Security	Jun. 30, 2014 USD ($)	Jun. 30, 2015 USD ($) Security	Jun. 30, 2014 USD ($)	Dec. 31, 2014 USD ($)
Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]
Amortized Cost	$ 301,110		$ 301,110		$ 301,459
Gross Unrealized Gains	4,492		4,492		5,603
Gross Unrealized Losses	(810)		(810)		(916)
Fair Value	$ 304,792		$ 304,792		306,146
Number of securities owned with fair value than cost \| Security	72		72
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	$ 94,444		$ 94,444		36,508
Twelve Months or Greater, Fair Value	18,579		18,579		67,011
Total, Fair Value	113,023		113,023		103,519
Less than Twelve Months, Gross Unrealized Losses	(617)		(617)		(134)
Twelve Months or Greater, Gross Unrealized Losses	(193)		(193)		(782)
Total, Gross Unrealized Losses	$ (810)		(810)		(916)
Duration securities impaired, Minimum	1 year
Proceeds from sale of securities available-for-sale	$ 3,770	$ 6,595	18,393	$ 12,151
Realized investment gains (losses) [Abstract]
Gross gains	175	75	312	246
Gross losses	0	0	(11)	0
Net gains	175	$ 75	301	$ 246
Investment securities pledged as collateral	170,900		170,900		186,400
Amortized Cost [Abstract]
Due in one year or less	3,420		3,420
Due after one year through five years	166,695		166,695
Due after five years through ten years	44,355		44,355
Due after ten years	85,322		85,322
Total	299,792		299,792
Fair Value [Abstract]
Due in one year or less	3,459		3,459
Due after one year through five years	167,737		167,737
Due after five years through ten years	45,146		45,146
Due after ten years	86,675		86,675
Total	303,017		303,017
U.S. Agency Securities [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]
Amortized Cost	167,187		167,187		150,847
Gross Unrealized Gains	778		778		638
Gross Unrealized Losses	(385)		(385)		(600)
Fair Value	167,580		167,580		150,885
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	60,908		60,908		27,382
Twelve Months or Greater, Fair Value	10,910		10,910		43,642
Total, Fair Value	71,818		71,818		71,024
Less than Twelve Months, Gross Unrealized Losses	(302)		(302)		(110)
Twelve Months or Greater, Gross Unrealized Losses	(83)		(83)		(490)
Total, Gross Unrealized Losses	(385)		(385)		(600)
US Treasury Securities [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]
Amortized Cost					4,944
Gross Unrealized Gains					0
Gross Unrealized Losses					(95)
Fair Value					4,849
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value					0
Twelve Months or Greater, Fair Value					4,849
Total, Fair Value					4,849
Less than Twelve Months, Gross Unrealized Losses					0
Twelve Months or Greater, Gross Unrealized Losses					(95)
Total, Gross Unrealized Losses					(95)
Obligations of State and Political Subdivisions [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]
Amortized Cost	93,796		93,796		101,281
Gross Unrealized Gains	2,829		2,829		3,854
Gross Unrealized Losses	(343)		(343)		(99)
Fair Value	96,282		96,282		105,036
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	23,486		23,486		3,596
Twelve Months or Greater, Fair Value	5,212		5,212		8,584
Total, Fair Value	28,698		28,698		12,180
Less than Twelve Months, Gross Unrealized Losses	(263)		(263)		(19)
Twelve Months or Greater, Gross Unrealized Losses	(80)		(80)		(80)
Total, Gross Unrealized Losses	(343)		(343)		(99)
Corporate Obligations [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]
Amortized Cost	12,713		12,713		13,853
Gross Unrealized Gains	141		141		190
Gross Unrealized Losses	(49)		(49)		(85)
Fair Value	12,805		12,805		13,958
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	5,434		5,434		505
Twelve Months or Greater, Fair Value	2,184		2,184		7,707
Total, Fair Value	7,618		7,618		8,212
Less than Twelve Months, Gross Unrealized Losses	(31)		(31)		(1)
Twelve Months or Greater, Gross Unrealized Losses	(18)		(18)		(84)
Total, Gross Unrealized Losses	(49)		(49)		(85)
Mortgage-backed Securities in Government Sponsored Entities [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]
Amortized Cost	26,096		26,096		29,397
Gross Unrealized Gains	287		287		368
Gross Unrealized Losses	(33)		(33)		(37)
Fair Value	26,350		26,350		29,728
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	4,616		4,616		5,025
Twelve Months or Greater, Fair Value	273		273		2,229
Total, Fair Value	4,889		4,889		7,254
Less than Twelve Months, Gross Unrealized Losses	(21)		(21)		(4)
Twelve Months or Greater, Gross Unrealized Losses	(12)		(12)		(33)
Total, Gross Unrealized Losses	(33)		(33)		(37)
Equity Securities in Financial Institutions [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]
Amortized Cost	1,318		1,318		1,137
Gross Unrealized Gains	457		457		553
Gross Unrealized Losses	0		0		0
Fair Value	$ 1,775		$ 1,775		$ 1,690

Fair Value Measurements, By Balance Sheet Grouping (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Financial Assets [Abstract]
Available-for-sale securities	$ 304,792	$ 306,146
Financial Liabilities [Abstract]
Consideration period for recognition of cash and due from banks	90 days
Consideration period for recognition of accrued interest receivable and payable	90 days
Level I [Member]
Financial Assets [Abstract]
Cash and due from banks	$ 10,912	11,423
Interest bearing time deposits with other banks		0
Available-for-sale securities	1,775	1,690
Loans held for sale	1,152	497
Net loans	0	0
Bank owned life insurance	20,615	20,309
Regulatory stock	1,864	2,035
Accrued interest receivable	3,584	3,644
Financial Liabilities [Abstract]
Deposits	544,830	525,166
Borrowed funds	6,287	16,593
Accrued interest payable	674	756
Level II [Member]
Financial Assets [Abstract]
Cash and due from banks	0	0
Interest bearing time deposits with other banks		0
Available-for-sale securities	303,017	304,456
Net loans	0	0
Bank owned life insurance	0	0
Regulatory stock	0	0
Accrued interest receivable	0	0
Financial Liabilities [Abstract]
Deposits	0	0
Borrowed funds	0	0
Accrued interest payable	0	0
Level III [Member]
Financial Assets [Abstract]
Cash and due from banks	0	0
Interest bearing time deposits with other banks	5,969	5,969
Available-for-sale securities		0
Net loans	580,732	564,944
Bank owned life insurance	0	0
Regulatory stock	0	0
Accrued interest receivable	0	0
Financial Liabilities [Abstract]
Deposits	247,647	249,221
Borrowed funds	29,793	21,626
Accrued interest payable	0	0
Carrying Amount [Member]
Financial Assets [Abstract]
Cash and due from banks	10,912	11,423
Interest bearing time deposits with other banks	5,960	5,960
Available-for-sale securities	304,792	306,146
Loans held for sale	1,152	497
Net loans	564,692	547,290
Bank owned life insurance	20,615	20,309
Regulatory stock	1,864	2,035
Accrued interest receivable	3,584	3,644
Financial Liabilities [Abstract]
Deposits	791,887	773,933
Borrowed funds	39,194	41,799
Accrued interest payable	674	756
Fair Value [Member]
Financial Assets [Abstract]
Cash and due from banks	10,912	11,423
Interest bearing time deposits with other banks	5,969	5,969
Available-for-sale securities	304,792	306,146
Loans held for sale	1,152	497
Net loans	580,732	564,944
Bank owned life insurance	20,615	20,309
Regulatory stock	1,864	2,035
Accrued interest receivable	3,584	3,644
Financial Liabilities [Abstract]
Deposits	792,477	774,387
Borrowed funds	36,080	38,219
Accrued interest payable	$ 674	$ 756

Income Tax Expense	6 Months Ended
Income Tax Expense	Jun. 30, 2015
Income Tax Expense [Abstract]
Income Tax Expense	Note 3 - Income Tax Expense Income tax expense is less than the amount calculated using the statutory tax rate, primarily as a result of tax-exempt income earned from state and municipal securities and loans and investments in tax credits. Investments in Qualified Affordable Housing Projects As of June 30, 2015 and December 31, 2014, the Company was invested in four partnerships that provide affordable housing. The balance of the investments, which is included within other assets in the Consolidated Balance Sheet, was $1,088,000 and $1,218,000 as of June 30, 2015 and December 31, 2014, respectively. Investments purchased prior to January 1, 2015, are accounted for utilizing the effective yield method. As of June 30, 2015, the Company has $1,143,000 of tax credits remaining that will be recognized over seven years. Tax credits of $49,000 and $99,000 were recognized as a reduction of tax expense during the three and six months ended June 30, 2015, respectively.

Loans, Past Due (Details) - USD ($) $ in Thousands	6 Months Ended
Loans, Past Due (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Recorded investment of past due [Abstract]
Total Past Due	$ 8,696	$ 5,151
Current	562,955	548,954
Total Loans	571,651	554,105
90 Days or Greater and Accruing	826	836
Financing receivables on nonaccrual status [Abstract]
Total Past Due And Non-accrual	6,161	2,243
Current And Non-accrual	406	4,356
Financing receivable nonaccrual status	6,567	6,599
Financing receivables on accrual status [Abstract]
Total Past Due And Still Accruing	2,535	2,908
Current And Still Accruing	562,549	544,598
Total Financing Receivables And Still Accruing	$ 565,084	547,506
Minimum [Member]
Financing receivables on nonaccrual status [Abstract]
Period of past due after which loans considered as non accrual	90 days
30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	$ 1,614	1,479
Financing receivables on nonaccrual status [Abstract]
Total Past Due And Non-accrual	524	48
Financing receivables on accrual status [Abstract]
Total Past Due And Still Accruing	1,090	1,431
60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	1,115	822
Financing receivables on nonaccrual status [Abstract]
Total Past Due And Non-accrual	496	181
Financing receivables on accrual status [Abstract]
Total Past Due And Still Accruing	619	641
90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	5,967	2,850
Financing receivables on nonaccrual status [Abstract]
Total Past Due And Non-accrual	5,141	2,014
Financing receivables on accrual status [Abstract]
Total Past Due And Still Accruing	826	836
Real Estate Loans [Member] \| Mortgages [Member]
Recorded investment of past due [Abstract]
Total Past Due	1,522	1,223
Current	119,287	121,635
Total Loans	120,809	122,858
90 Days or Greater and Accruing	380	214
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	780	676
Real Estate Loans [Member] \| Mortgages [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	502	318
Real Estate Loans [Member] \| Mortgages [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	154	230
Real Estate Loans [Member] \| Mortgages [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	866	675
Real Estate Loans [Member] \| Home Equity [Member]
Recorded investment of past due [Abstract]
Total Past Due	615	801
Current	60,142	61,779
Total Loans	60,757	62,580
90 Days or Greater and Accruing	80	132
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	69	152
Real Estate Loans [Member] \| Home Equity [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	395	442
Real Estate Loans [Member] \| Home Equity [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	84	99
Real Estate Loans [Member] \| Home Equity [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	136	260
Real Estate Loans [Member] \| Commercial [Member]
Recorded investment of past due [Abstract]
Total Past Due	4,672	1,760
Current	189,055	189,185
Total Loans	193,727	190,945
90 Days or Greater and Accruing	104	310
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	4,547	5,010
Real Estate Loans [Member] \| Commercial [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	114	97
Real Estate Loans [Member] \| Commercial [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	524	231
Real Estate Loans [Member] \| Commercial [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	4,034	1,432
Real Estate Loans [Member] \| Agricultural [Member]
Recorded investment of past due [Abstract]
Total Past Due	209	0
Current	30,514	24,639
Total Loans	30,723	24,639
90 Days or Greater and Accruing	0	0
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	0	0
Real Estate Loans [Member] \| Agricultural [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	39	0
Real Estate Loans [Member] \| Agricultural [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	170	0
Real Estate Loans [Member] \| Agricultural [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
Real Estate Loans [Member] \| Construction [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
Current	8,025	6,353
Total Loans	8,025	6,353
90 Days or Greater and Accruing	0	0
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	0	0
Real Estate Loans [Member] \| Construction [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
Real Estate Loans [Member] \| Construction [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
Real Estate Loans [Member] \| Construction [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
Consumer [Member]
Recorded investment of past due [Abstract]
Total Past Due	80	130
Current	8,294	8,367
Total Loans	8,374	8,497
90 Days or Greater and Accruing	1	6
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	53	47
Consumer [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	38	119
Consumer [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	30	4
Consumer [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	12	7
Other Commercial Loans [Member]
Recorded investment of past due [Abstract]
Total Past Due	1,501	1,237
Current	50,619	46,214
Total Loans	52,120	47,451
90 Days or Greater and Accruing	261	174
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	1,118	714
Other Commercial Loans [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	526	503
Other Commercial Loans [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	56	258
Other Commercial Loans [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	919	476
Other Agricultural Loans [Member]
Recorded investment of past due [Abstract]
Total Past Due	97	0
Current	12,289	11,065
Total Loans	12,386	11,065
90 Days or Greater and Accruing	0	0
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	0	0
Other Agricultural Loans [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
Other Agricultural Loans [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	97	0
Other Agricultural Loans [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
State and Political Subdivision Loans [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
Current	84,730	79,717
Total Loans	84,730	79,717
90 Days or Greater and Accruing	0	0
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	0	0
State and Political Subdivision Loans [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
State and Political Subdivision Loans [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
State and Political Subdivision Loans [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	$ 0	$ 0

Loans, Credit Quality Indicator (Details) - USD ($)	6 Months Ended
Loans, Credit Quality Indicator (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable by credit exposure [Abstract]
Total	$ 189,940,000	$ 193,935,000
Minimum [Member]
Financing Receivable, Recorded Investment [Line Items]
Percentage of dollar volume of commercial loan portfolio to be reviewed (in hundredths)	55.00%
Amount over which all new loans to be reviewed, minimum	$ 1,000,000
Amount over which all relationships to be reviewed, minimum	1,000,000
Amount which is 30 days past due to be reviewed for all aggregate loan relationships	750,000
Real Estate Loans [Member] \| Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	193,727,000	190,945,000
Real Estate Loans [Member] \| Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	30,723,000	24,639,000
Real Estate Loans [Member] \| Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	8,025,000	6,353,000
Real Estate Loans [Member] \| Mortgages [Member]
Financing Receivable by credit exposure [Abstract]
Total	120,809,000	122,858,000
Real Estate Loans [Member] \| Home Equity [Member]
Financing Receivable by credit exposure [Abstract]
Total	60,757,000	62,580,000
Consumer [Member]
Financing Receivable by credit exposure [Abstract]
Total	8,374,000	8,497,000
Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	52,120,000	47,451,000
Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	12,386,000	11,065,000
State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	84,730,000	79,717,000
Pass [Member]
Financing Receivable by credit exposure [Abstract]
Total	355,170,000	324,932,000
Pass [Member] \| Real Estate Loans [Member] \| Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	177,073,000	169,383,000
Pass [Member] \| Real Estate Loans [Member] \| Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	27,638,000	19,575,000
Pass [Member] \| Real Estate Loans [Member] \| Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	8,025,000	6,353,000
Pass [Member] \| Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	45,715,000	40,683,000
Pass [Member] \| Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	11,989,000	9,221,000
Pass [Member] \| State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	84,730,000	79,717,000
Special Mention [Member]
Financing Receivable by credit exposure [Abstract]
Total	8,204,000	17,482,000
Special Mention [Member] \| Real Estate Loans [Member] \| Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	4,390,000	8,948,000
Special Mention [Member] \| Real Estate Loans [Member] \| Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	2,600,000	3,394,000
Special Mention [Member] \| Real Estate Loans [Member] \| Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Special Mention [Member] \| Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	817,000	4,413,000
Special Mention [Member] \| Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	397,000	727,000
Special Mention [Member] \| State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Substandard [Member]
Financing Receivable by credit exposure [Abstract]
Total	18,148,000	17,756,000
Substandard [Member] \| Real Estate Loans [Member] \| Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	12,220,000	12,614,000
Substandard [Member] \| Real Estate Loans [Member] \| Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	485,000	1,670,000
Substandard [Member] \| Real Estate Loans [Member] \| Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Substandard [Member] \| Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	5,443,000	2,355,000
Substandard [Member] \| Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	1,117,000
Substandard [Member] \| State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Doubtful [Member]
Financing Receivable by credit exposure [Abstract]
Total	189,000	0
Doubtful [Member] \| Real Estate Loans [Member] \| Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	44,000	0
Doubtful [Member] \| Real Estate Loans [Member] \| Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Doubtful [Member] \| Real Estate Loans [Member] \| Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Doubtful [Member] \| Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	145,000	0
Doubtful [Member] \| Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Doubtful [Member] \| State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Internally Assigned Grade [Member]
Financing Receivable by credit exposure [Abstract]
Total	381,711,000	360,170,000
Performing [Member]
Financing Receivable by credit exposure [Abstract]
Total	188,577,000	192,708,000
Performing [Member] \| Real Estate Loans [Member] \| Mortgages [Member]
Financing Receivable by credit exposure [Abstract]
Total	119,649,000	121,968,000
Performing [Member] \| Real Estate Loans [Member] \| Home Equity [Member]
Financing Receivable by credit exposure [Abstract]
Total	60,608,000	62,296,000
Performing [Member] \| Consumer [Member]
Financing Receivable by credit exposure [Abstract]
Total	8,320,000	8,444,000
Nonperforming [Member]
Financing Receivable by credit exposure [Abstract]
Total	1,363,000	1,227,000
Nonperforming [Member] \| Real Estate Loans [Member] \| Mortgages [Member]
Financing Receivable by credit exposure [Abstract]
Total	1,160,000	890,000
Nonperforming [Member] \| Real Estate Loans [Member] \| Home Equity [Member]
Financing Receivable by credit exposure [Abstract]
Total	149,000	284,000
Nonperforming [Member] \| Consumer [Member]
Financing Receivable by credit exposure [Abstract]
Total	$ 54,000	$ 53,000

Loans, Trouble Debt Restructuring (Details)	3 Months Ended		6 Months Ended
Loans, Trouble Debt Restructuring (Details)	Jun. 30, 2015 USD ($) Contract	Jun. 30, 2014 USD ($) Contract	Jun. 30, 2015 USD ($) Contract	Jun. 30, 2014 USD ($) Contract	Dec. 31, 2014 USD ($)
Loans [Abstract]
Reserves of allowance for loan losses	$ 41,000		$ 41,000		$ 26,000
Recidivism receivables [Abstract]
Total recidivism, Number of contracts \| Contract	0	0	0	1
Total recidivism, Recorded investment	$ 0	$ 0	$ 0	$ 483,000
Foreclosed assets held for sale [Abstract]
Foreclosed assets held for sale	$ 1,815,000		$ 1,815,000		$ 1,792,000
Interest Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts \| Contract	0	0	1	0
Pre-modification Outstanding Recorded Investment	$ 0	$ 0	$ 71,000	$ 0
Post-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 71,000	$ 0
Term Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts \| Contract	1	1	1	2
Pre-modification Outstanding Recorded Investment	$ 19,000	$ 28,000	$ 19,000	$ 153,000
Post-Modification Outstanding Recorded Investment	$ 19,000	$ 28,000	$ 19,000	$ 153,000
Real Estate Loans [Member] \| Mortgages [Member] \| Interest Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts \| Contract	0		1
Pre-modification Outstanding Recorded Investment	$ 0		$ 71,000
Post-Modification Outstanding Recorded Investment	$ 0		$ 71,000
Real Estate Loans [Member] \| Mortgages [Member] \| Term Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts \| Contract	1		1
Pre-modification Outstanding Recorded Investment	$ 19,000		$ 19,000
Post-Modification Outstanding Recorded Investment	$ 19,000		$ 19,000
Real Estate Loans [Member] \| Commercial [Member]
Recidivism receivables [Abstract]
Total recidivism, Number of contracts \| Contract	0	0	0	1
Total recidivism, Recorded investment	$ 0	$ 0	$ 0	$ 483,000
Real Estate Loans [Member] \| Commercial [Member] \| Interest Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts \| Contract		0	0	0
Pre-modification Outstanding Recorded Investment		$ 0	$ 0	$ 0
Post-Modification Outstanding Recorded Investment		$ 0	$ 0	$ 0
Real Estate Loans [Member] \| Commercial [Member] \| Term Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts \| Contract		1	2	2
Pre-modification Outstanding Recorded Investment		$ 28,000	$ 153,000	$ 153,000
Post-Modification Outstanding Recorded Investment		$ 28,000	153,000	$ 153,000
Consumer Residential Mortgages [Member]
Foreclosed assets held for sale [Abstract]
Foreclosed assets held for sale	422,000		422,000
Formal foreclosure proceedings on potential foreclosure assets	$ 1,329,000		$ 1,329,000

Federal Home Loan Bank Stock (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Federal Home Loan Bank Stock [Abstract]
Federal home loan bank stock	$ 1,590,000	$ 1,761,000
FHLB Stock, at par value (in dollars per share)	$ 100

Employee Benefit Plans (Details) - USD ($)	3 Months Ended		6 Months Ended
Employee Benefit Plans (Details) - USD ($)	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Components of net periodic benefit cost [Abstract]
Employer contribution to 401 (k) defined contribution plan	$ 93,000	$ 88,000	$ 155,000	$ 146,000
Directors [Member]
Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items]
Deferred interest expense	5,000	6,000	12,000	11,000
Pension Plan [Member]
Components of net periodic benefit cost [Abstract]
Service cost	78,000	63,000	132,000	153,000
Interest cost	90,000	111,000	153,000	207,000
Expected return on plan assets	(172,000)	(215,000)	(290,000)	(393,000)
Net amortization and deferral	45,000	(43,000)	76,000	25,000
Net periodic cost (benefit)	41,000	(84,000)	71,000	(8,000)
Employer contribution to pension plan			400,000
Supplemental Executive Retirement Plans [Member]
Components of net periodic benefit cost [Abstract]
Obligation included in other liabilities	1,269,000		1,269,000		$ 1,198,000
Cost recognized	36,000	$ 38,000	71,000	$ 76,000
Deferred Compensation Plan [Member]
Components of net periodic benefit cost [Abstract]
Obligation included in other liabilities	$ 945,000		$ 945,000		$ 969,000
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)	100,000		100,000
Number of shares available for grant (in shares)	60,662		60,662
Restricted stock activity [Roll Forward]
Outstanding, beginning of period (in shares)	6,998	6,240	6,971	7,172
Granted (in shares)	3,340	3,206	3,496	3,598
Forfeited (in shares)	0	0	0	0
Vested (in shares)	(3,320)	(2,259)	(3,449)	(3,583)
Outstanding, end of period (in shares)	7,018	7,187	7,018	7,187
Weighted average market price [Roll Forward]
Outstanding, beginning of period (in dollars per share)	$ 48.61	$ 43.55	$ 48.55	$ 42.02
Granted (in dollars per share)	49.87	53.10	50.02	52.82
Forfeited (in dollars per share)	0	0	0	0
Vested (in dollars per share)	45.62	42.06	45.80	40.30
Outstanding, end of period (in dollars per share)	$ 50.63	$ 48.28	$ 50.63	$ 48.28
Share-based compensation expense	$ 43,000	$ 37,000	$ 85,000	$ 73,000
Compensation cost related to nonvested awards that has not yet been recognized	$ 355,000		$ 355,000
Compensation cost related to nonvested awards, period to be recognized			2 years 9 months 29 days

CONSOLIDATED BALANCE SHEET (UNAUDITED) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Cash and due from banks:
Noninterest-bearing	$ 9,910	$ 10,091
Interest-bearing	1,002	1,332
Total cash and cash equivalents	10,912	11,423
Interest bearing time deposits with other banks	5,960	5,960
Available-for-sale securities	304,792	306,146
Loans held for sale	1,152	497
Loans (net of allowance for loan losses: 2015, $6,959 and 2014, $6,815)	564,692	547,290
Premises and equipment	12,582	12,357
Accrued interest receivable	3,584	3,644
Goodwill	10,256	10,256
Bank owned life insurance	20,615	20,309
Other assets	7,934	7,166
TOTAL ASSETS	942,479	925,048
Deposits:
Noninterest-bearing	100,469	95,526
Interest-bearing	691,418	678,407
Total deposits	791,887	773,933
Borrowed funds	39,194	41,799
Accrued interest payable	674	756
Other liabilities	7,499	8,032
TOTAL LIABILITIES	839,254	824,520
STOCKHOLDERS' EQUITY:
Preferred Stock $1.00 par value; authorized 3,000,000 shares: none issued or outstanding at June 30, 2015 and December 31, 2014;	0	0
Common stock $1.00 par value; authorized 15,000,000 shares; issued 3,335,236 at June 30, 2015 and December 31, 2014;	3,335	3,335
Additional paid-in capital	25,124	25,150
Retained earnings	83,371	79,512
Accumulated other comprehensive income	171	767
Treasury stock, at cost: 306,560 shares at June 30, 2015 and 296,280 shares at December 31, 2014	(8,776)	(8,236)
TOTAL STOCKHOLDERS' EQUITY	103,225	100,528
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 942,479	$ 925,048

CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 6,309	$ 6,541
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	240	330
Depreciation and amortization	236	233
Amortization and accretion of investment securities	992	1,100
Deferred income taxes	112	498
Investment securities gains, net	(301)	(246)
Earnings on bank owned life insurance	(306)	(242)
Originations of loans held for sale	(7,479)	(5,286)
Proceeds from sales of loans held for sale	6,922	5,089
Realized gains on loans sold	(98)	(70)
Increase in accrued interest receivable	60	171
Decrease in accrued interest payable	(81)	(160)
Other, net	(1,158)	(1,107)
Net cash provided by operating activities	5,448	6,851
Available-for-sale securities:
Proceeds from sales	18,393	12,151
Proceeds from maturity and principal repayments	31,163	29,294
Purchase of securities	(49,579)	(33,822)
Proceeds from redemption of regulatory stock	1,513	2,216
Purchase of regulatory stock	(1,342)	(1,484)
Net increase in loans	(17,792)	(113)
Purchase of premises and equipment	(514)	(145)
Proceeds from sale of foreclosed assets held for sale	100	296
Net cash (used) provided by investing activities	(18,058)	8,393
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	17,954	17,140
Proceeds from long-term borrowings	5,286	4,010
Repayments of long-term borrowings	(551)	(4,200)
Net decrease in short-term borrowed funds	(7,340)	(23,667)
Purchase of treasury and restricted stock	(997)	(733)
Dividends paid	(2,253)	(2,137)
Net cash provided (used) by financing activities	12,099	(9,587)
Net (decrease) increase in cash and cash equivalents	(511)	5,657
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	11,423	10,083
CASH AND CASH EQUIVALENTS AT END OF PERIOD	10,912	15,740
Supplemental Disclosures of Cash Flow Information:
Interest paid	2,472	2,668
Income taxes paid	2,025	1,885
Loans transferred to foreclosed property	241	239
Premises and equipment transferred from other assets	0	549
Investments purchased and not settled	$ 319	$ 0

Fair Value Measurements, Measured On A Recurring And Nonrecurring Basis (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Fair value assets and liabilities measured on non-recurring basis [Abstract]
Impaired Loans	$ 8,159	$ 8,822
Recurring [Member]
Securities available for sale [Abstract]
U.S. agency securities	167,580	150,885
U.S. treasuries securities		4,849
Obligations of state and political subdivisions	96,282	105,036
Corporate obligations	12,805	13,958
Mortgage-backed securities in government sponsored entities	26,350	29,728
Equity securities in financial institutions	1,775	1,690
Recurring [Member] \| Level I [Member]
Securities available for sale [Abstract]
U.S. agency securities	0	0
U.S. treasuries securities		0
Obligations of state and political subdivisions	0	0
Corporate obligations	0	0
Mortgage-backed securities in government sponsored entities	0	0
Equity securities in financial institutions	1,775	1,690
Recurring [Member] \| Level II [Member]
Securities available for sale [Abstract]
U.S. agency securities	167,580	150,885
U.S. treasuries securities		4,849
Obligations of state and political subdivisions	96,282	105,036
Corporate obligations	12,805	13,958
Mortgage-backed securities in government sponsored entities	26,350	29,728
Equity securities in financial institutions	0	0
Recurring [Member] \| Level III [Member]
Securities available for sale [Abstract]
U.S. agency securities	0	0
U.S. treasuries securities		0
Obligations of state and political subdivisions	0	0
Corporate obligations	0	0
Mortgage-backed securities in government sponsored entities	0	0
Equity securities in financial institutions	0	0
Nonrecurring [Member]
Fair value assets and liabilities measured on non-recurring basis [Abstract]
Impaired Loans	7,885	8,724
Other real estate owned	1,815	1,792
Nonrecurring [Member] \| Level I [Member]
Fair value assets and liabilities measured on non-recurring basis [Abstract]
Impaired Loans	0	0
Other real estate owned	0	0
Nonrecurring [Member] \| Level II [Member]
Fair value assets and liabilities measured on non-recurring basis [Abstract]
Impaired Loans	0	0
Other real estate owned	0	0
Nonrecurring [Member] \| Level III [Member]
Fair value assets and liabilities measured on non-recurring basis [Abstract]
Impaired Loans	7,885	8,724
Other real estate owned	$ 1,815	$ 1,792

Fair Value Measurements, Quantitative Information (Details) - USD ($)	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Impaired Loans [Member] \| Discounted Cash Flows [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 206	$ 230
Valuation Technique(s)	Discounted Cash Flows	Discounted Cash Flows
Impaired Loans [Member] \| Discounted Cash Flows [Member] \| Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Change in interest rates (in hundredths)	0.00%	0.00%
Impaired Loans [Member] \| Discounted Cash Flows [Member] \| Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Change in interest rates (in hundredths)	5.50%	5.50%
Impaired Loans [Member] \| Discounted Cash Flows [Member] \| Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Change in interest rates (in hundredths)	3.21%	1.99%
Impaired Loans [Member] \| Appraised Collateral Values [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 7,679	$ 8,494
Valuation Technique(s)	Appraised Collateral Values	Appraised Collateral Values
Impaired Loans [Member] \| Appraised Collateral Values [Member] \| Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal (in hundredths)	0.00%	0.00%
Selling costs (in hundredths)	5.00%	4.00%
Holding period
Impaired Loans [Member] \| Appraised Collateral Values [Member] \| Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal (in hundredths)	30.00%	30.00%
Selling costs (in hundredths)	10.00%	10.00%
Holding period	18 months	18 months
Impaired Loans [Member] \| Appraised Collateral Values [Member] \| Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal (in hundredths)	17.09%	22.00%
Selling costs (in hundredths)	9.28%	8.55%
Holding period	12 months	15 months
Other Real Estate Owned [Member] \| Appraised Collateral Values [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 1,815	$ 1,792
Valuation Technique(s)	Appraised Collateral Values	Appraised Collateral Values
Other Real Estate Owned [Member] \| Appraised Collateral Values [Member] \| Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal (in hundredths)	0.00%	0.00%
Selling costs (in hundredths)	4.00%	4.00%
Holding period
Other Real Estate Owned [Member] \| Appraised Collateral Values [Member] \| Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal (in hundredths)	20.00%	20.00%
Selling costs (in hundredths)	10.00%	10.00%
Holding period	18 months	18 months
Other Real Estate Owned [Member] \| Appraised Collateral Values [Member] \| Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal (in hundredths)	20.00%	20.00%
Selling costs (in hundredths)	9.00%	9.00%
Holding period	12 months	12 months

Income Tax Expense (Details)	3 Months Ended	6 Months Ended	12 Months Ended
Income Tax Expense (Details)	Jun. 30, 2015 USD ($) Partnership	Jun. 30, 2015 USD ($)	Dec. 31, 2014 USD ($) Partnership
Income Tax Expense [Abstract]
Investments in number of partnerships \| Partnership	4		4
Investment amount in partnerships	$ 1,088,000	$ 1,088,000	$ 1,218,000
Tax Credit Carryforward [Line Items]
Investment tax credits	$ 1,143,000	1,143,000
Investment Tax Credit Carryforward [Member]
Tax Credit Carryforward [Line Items]
Tax credits recognition period	7 years
Tax credits recognized as reduction of tax expense amount	$ 49,000	$ 99,000

Basis of Presentation	6 Months Ended
Basis of Presentation	Jun. 30, 2015
Basis of Presentation [Abstract]
Basis of Presentation	Note 1 - Basis of Presentation Citizens Financial Services, Inc. (individually and collectively with its direct and indirect subsidiaries, the “Company”) is a Pennsylvania corporation organized as the holding company of its wholly owned subsidiary, First Citizens Community Bank (the “Bank”), and the Bank’s wholly owned subsidiary, First Citizens Insurance Agency, Inc. (“First Citizens Insurance”). The accompanying consolidated financial statements have been prepared pursuant to rules and regulations of the Securities and Exchange Commission (“SEC”) and in conformity with U.S. generally accepted accounting principles. Because this report is based on an interim period, certain information and footnote disclosures normally included in financial statements prepared in accordance with U.S. generally accepted accounting principles have been condensed or omitted. Certain of the prior year amounts have been reclassified to conform with the current year presentation. Such reclassifications had no effect on net income or stockholders’ equity. All material inter-company balances and transactions have been eliminated in consolidation. In the opinion of management of the Company, the accompanying interim financial statements at June 30, 2015 and for the periods ended June 30, 2015 and 2014 include all adjustments, consisting of only normal recurring adjustments, necessary for a fair presentation of the financial condition and the results of operations for the period. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period. The financial performance reported for the Company for the six month period ended June 30, 2015 is not necessarily indicative of the results to be expected for the full year. This information should be read in conjunction with the Company’s Annual Report on Form 10-K for the year ended December 31, 2014.

CONSOLIDATED BALANCE SHEET (UNAUDITED) (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
ASSETS:
Loans, allowance for loan losses	$ 6,959	$ 6,815
STOCKHOLDERS' EQUITY:
Preferred Stock, par value (in dollars per share)	$ 1.00	$ 1.00
Preferred Stock, authorized (in shares)	3,000,000	3,000,000
Preferred Stock, issued (in shares)	0	0
Preferred Stock, shares outstanding (in shares)	0	0
Common Stock, par value (in dollars per share)	$ 1.00	$ 1.00
Common Stock, authorized (in shares)	15,000,000	15,000,000
Common Stock, issued (in shares)	3,335,236	3,335,236
Treasury stock, shares (in shares)	306,560	296,280

Document and Entity Information - shares	6 Months Ended
Document and Entity Information - shares	Jun. 30, 2015	Jul. 28, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	CITIZENS FINANCIAL SERVICES INC
Entity Central Index Key	0000739421
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		3,028,676
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q2
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2015

Federal Home Loan Bank Stock	6 Months Ended
Federal Home Loan Bank Stock	Jun. 30, 2015
Federal Home Loan Bank Stock [Abstract]
Federal Home Loan Bank Stock	Note 6 – Federal Home Loan Bank Stock The Bank is a member of the FHLB of Pittsburgh and, as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. As of June 30, 2015 and December 31, 2014, the Bank’s investment in FHLB stock was $1,590,000 and $1,761,000, respectively. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated by management. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) a significant decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) the impact of legislative and regulatory changes on the customer base of the FHLB and (d) the liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein. Management considered that the FHLB’s regulatory capital ratios have improved, liquidity appears adequate, new shares of FHLB stock continue to exchange hands at the $100 par value and the FHLB has repurchased shares of excess capital stock from its members and has paid a quarterly cash dividend.

Recent Accounting Pronouncements	6 Months Ended
Recent Accounting Pronouncements	Jun. 30, 2015
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	Note 10 – Recent Accounting Pronouncements In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (a new revenue recognition standard). The Update’s core principle is that a company will recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. In addition, this update specifies the accounting for certain costs to obtain or fulfill a contract with a customer and expands disclosure requirements for revenue recognition. This Update is effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. The Company is evaluating the effect of adopting this new accounting Update. In June 2014, the FASB issued ASU 2014-11, Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures. The amendments in this Update change the accounting for repurchase-to-maturity transactions to secured borrowing accounting. For repurchase financing arrangements, the amendments require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty, which will result in secured borrowing accounting for the repurchase agreement. The amendments also require enhanced disclosures. The accounting changes in this Update are effective for the first interim or annual period beginning after December 15, 2014. An entity is required to present changes in accounting for transactions outstanding on the effective date as a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption. Earlier application is prohibited. The disclosure for certain transactions accounted for as a sale is required to be presented for interim and annual periods beginning after December 15, 2014, and the disclosure for repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions accounted for as secured borrowings is required to be presented for annual periods beginning after December 15, 2014, and for interim periods beginning after March 15, 2015. The disclosures are not required to be presented for comparative periods before the effective date. This Update did not have a significant impact on the Company’s financial statements. In August 2014, the FASB issued ASU 2014-15, Presentation of Financial Statements -Going Concern (Subtopic 205-40). The amendments in this Update provide guidance in accounting principles generally accepted in the United States of America about management's responsibility to evaluate whether there is substantial doubt about an entity's ability to continue as a going concern and to provide related footnote disclosures. The amendments in this Update are effective for the annual period ending after December 15, 2016, and for annual periods and interim periods thereafter. Early application is permitted. This Update is not expected to have a significant impact on the Company’s financial statements. In November 2014, the FASB issued ASU 2014-17, Business Combinations (Topic 805): Pushdown Accounting. The amendments in this Update apply to the separate financial statements of an acquired entity and its subsidiaries that are a business or nonprofit activity (either public or nonpublic) upon the occurrence of an event in which an acquirer (an individual or an entity) obtains control of the acquired entity. An acquired entity may elect the option to apply pushdown accounting in the reporting period in which the change-in-control event occurs. If pushdown accounting is not applied in the reporting period in which the change-in-control event occurs, an acquired entity will have the option to elect to apply pushdown accounting in a subsequent reporting period to the acquired entity's most recent change-in-control event. The amendments in this Update are effective on November 18, 2014. After the effective date, an acquired entity can make an election to apply the guidance to future change-in-control events or to its most recent change-in-control event. This Update did not have a significant impact on the Company’s financial statements. In February 2015, the FASB issued ASU 2015-02, Consolidation (Topic 810). The amendments in this Update affect reporting entities that are required to evaluate whether they should consolidate certain legal entities. All legal entities are subject to reevaluation under the revised consolidation model. Specifically, the amendments (1) Modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (VIEs) or voting interest entities; (2) Eliminate the presumption that a general partner should consolidate a limited partnership; (3) Affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships; (4) Provide a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements that are similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds. The amendments in this Update are effective for public business entities for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015. For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2016, and for interim periods within fiscal years beginning after December 15, 2017. This Update is not expected to have a significant impact on the Company’s financial statements. In April 2015, the FASB issued ASU 2015-03, Interest-Imputation of Interest (Subtopic 835-30), as part of its initiative to reduce complexity in accounting standards. To simplify presentation of debt issuance costs, the amendments in this Update require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this Update. For public business entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within fiscal years beginning after December 15, 2016. An entity should apply the new guidance on a retrospective basis, wherein the balance sheet of each individual period presented should be adjusted to reflect the period-specific effects of applying the new guidance. This Update is not expected to have a significant impact on the Company’s financial statements. In May 2015, the FASB issued ASU 2015-08, Business Combinations - Pushdown Accounting - Amendment to SEC Paragraphs Pursuant to Staff Accounting Bulletin No. 115. This ASU was issued to amend various SEC paragraphs pursuant to the issuance of Staff Accounting Bulletin No. 115. This Update is not expected to have a significant impact on the Company’s financial statements. In June 2015, the FASB issued ASU 2015-10, Technical Corrections and Improvements. The amendments in this Update represent changes to clarify the Codification, correct unintended application of guidance, or make minor improvements to the Codification that are not expected to have a significant effect on current accounting practice or create a significant administrative cost to most entities. Transition guidance varies based on the amendments in this Update. The amendments in this Update that require transition guidance are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted, including adoption in an interim period. All other amendments will be effective upon the issuance of this Update. This Update is not expected to have a significant impact on the Company’s financial statements.

Loans (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans	$ 571,651				$ 554,105
Allowance for loan losses	6,959				6,815
Net loans	564,692				547,290
Individually evaluated for impairment	8,159				8,822
Collectively evaluated for impairment	563,492				545,283
Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]
Individually evaluated for impairment	274				98
Collectively evaluated for impairment	6,685				6,717
Total	6,959	$ 7,233	$ 6,815	$ 7,098	6,815
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	6,922	7,233	6,815	7,098
Charge-offs	(90)	(641)	(115)	(697)
Recoveries	7	9	19	20
Provision	120	150	240	330
Balance at end of period	6,959	6,751	$ 6,959	6,751
Minimum [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Number of days past for loan to be considered impaired, Minimum			90 days
First Mortgage [Member] \| Minimum [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Period of mortgage on real estate			15 years
First Mortgage [Member] \| Maximum [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Period of mortgage on real estate			30 years
Second Mortgage [Member] \| Maximum [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Period of mortgage on real estate			15 years
Residential Real Estate Loans [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans	181,566				185,438
Individually evaluated for impairment	333				316
Collectively evaluated for impairment	181,233				185,122
Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]
Individually evaluated for impairment	41				25
Collectively evaluated for impairment	890				853
Total	931	886	$ 931	946	878
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	923	886	878	946
Charge-offs	(17)	(7)	(34)	(45)
Recoveries	0	0	0	0
Provision	25	0	87	(22)
Balance at end of period	931	879	931	879
Commercial and Agricultural Real Estate Loans [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans	224,450				215,584
Individually evaluated for impairment	5,578				6,112
Collectively evaluated for impairment	218,872				209,472
Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]
Individually evaluated for impairment	48				72
Collectively evaluated for impairment	3,631				3,798
Total	3,679	4,530	3,870	4,558	3,870
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	3,699	4,530	3,870	4,558
Charge-offs	(56)	(465)	(56)	(475)
Recoveries	3	3	7	5
Provision	33	(259)	(142)	(279)
Balance at end of period	3,679	3,809	3,679	3,809
Construction Real Estate Loans [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans	8,025				6,353
Individually evaluated for impairment	0				0
Collectively evaluated for impairment	8,025				6,353
Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]
Individually evaluated for impairment	0				0
Collectively evaluated for impairment	14				26
Total	14	8	14	50	26
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	11	8	26	50
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	3	5	(12)	(37)
Balance at end of period	14	13	14	13
Consumer [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans	8,374				8,497
Individually evaluated for impairment	0				0
Collectively evaluated for impairment	8,374				8,497
Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]
Individually evaluated for impairment	0				0
Collectively evaluated for impairment	89				84
Total	89	83	89	105	84
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	82	83	84	105
Charge-offs	(17)	(6)	(24)	(14)
Recoveries	4	6	12	15
Provision	20	3	17	(20)
Balance at end of period	89	86	89	86
Other Commercial and Agricultural Loans [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans	64,506				58,516
Individually evaluated for impairment	2,248				2,394
Collectively evaluated for impairment	62,258				56,122
Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]
Individually evaluated for impairment	185				1
Collectively evaluated for impairment	1,317				1,223
Total	1,502	1,173	1,224	942	1,224
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	1,286	1,173	1,224	942
Charge-offs	0	(163)	(1)	(163)
Recoveries	0	0	0	0
Provision	216	141	279	372
Balance at end of period	1,502	1,151	1,502	1,151
State and Political Subdivision Loans [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans	84,730				79,717
Individually evaluated for impairment	0				0
Collectively evaluated for impairment	84,730				79,717
Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]
Individually evaluated for impairment	0				0
Collectively evaluated for impairment	568				545
Total	568	396	545	330	545
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	572	396	545	330
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	(4)	59	23	125
Balance at end of period	568	455	568	455
Unallocated [Member]
Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]
Individually evaluated for impairment	0				0
Collectively evaluated for impairment	176				188
Total	176	157	176	167	$ 188
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	349	157	188	167
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	(173)	201	(12)	191
Balance at end of period	$ 176	$ 358	$ 176	$ 358