0000927089-20-000421.txt : 20200807 0000927089-20-000421.hdr.sgml : 20200807 20200807144312 ACCESSION NUMBER: 0000927089-20-000421 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 147 CONFORMED PERIOD OF REPORT: 20200630 FILED AS OF DATE: 20200807 DATE AS OF CHANGE: 20200807 FILER: COMPANY DATA: COMPANY CONFORMED NAME: GREAT SOUTHERN BANCORP, INC. CENTRAL INDEX KEY: 0000854560 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 431524856 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-18082 FILM NUMBER: 201084884 BUSINESS ADDRESS: STREET 1: 1451 E BATTLEFIELD CITY: SPRINGFIELD STATE: MO ZIP: 65804 BUSINESS PHONE: 417-887-4400 MAIL ADDRESS: STREET 1: P O BOX 9009 CITY: SPRINGFIELD STATE: MO ZIP: 65808-9009 FORMER COMPANY: FORMER CONFORMED NAME: GREAT SOUTHERN BANCORP INC DATE OF NAME CHANGE: 19920703 10-Q 1 gsbc-20200630.htm GREAT SOUTHERN BANCORP, INC. - FORM 10-Q SEC FILING GREAT SOUTHERN BANCORP, INC. - Form 10-Q SEC filing
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 10-Q

 

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

 

For the Quarterly Period Ended June 30, 2020

 

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

 

Commission File Number 0-18082

 

GREAT SOUTHERN BANCORP, INC.

(Exact name of registrant as specified in its charter)

 

Maryland

 

43-1524856

(State or other jurisdiction of incorporation

or organization)

 

(I.R.S. Employer Identification No.)

 

 

 

1451 E. Battlefield, Springfield, Missouri

 

65804

(Address of principal executive offices)

 

(Zip Code)

 

 

 

(417) 887-4400

(Registrant's telephone number, including area code)

 

Securities registered pursuant to Section 12(b) of the Act.

 

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock,

 

 

par value $0.01 per share

GSBC

The NASDAQ Stock Market LLC

 

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

Yes /X/     No /  /

 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data file required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes/X/   No /  /

 

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

 

Large accelerated filer /  /

Accelerated filer /X/

Non-accelerated filer /  /

Smaller reporting company

 

Emerging growth company

 

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

 

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

Yes    No /X/

 

The number of shares outstanding of each of the registrant's classes of common stock: 14,086,970 shares of common stock, par value $0.01 per share, outstanding at August 4, 2020.

 


1


 


PART I FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS.

 

GREAT SOUTHERN BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(In thousands, except number of shares)

 

 

 

JUNE 30,

 

 

DECEMBER 31,

 

 

 

2020

 

 

2019

 

 

(Unaudited)

 

 

 

ASSETS

 

 

 

 

 

 

Cash

$

97,208

 

$

99,299

 

Interest-bearing deposits in other financial institutions

 

376,437

 

 

120,856

 

Cash and cash equivalents

 

473,645

 

 

220,155

 

Available-for-sale securities

 

446,935

 

 

374,175

 

Mortgage loans held for sale

 

20,188

 

 

9,242

 

Loans receivable, net of allowance for loan losses of $49,801 – June 2020; $40,294 - December 2019

 

4,399,645

 

 

4,153,982

 

Interest receivable

 

14,759

 

 

13,530

 

Prepaid expenses and other assets

 

47,688

 

 

74,984

 

Other real estate owned and repossessions, net

 

4,435

 

 

5,525

 

Premises and equipment, net

 

140,558

 

 

141,908

 

Goodwill and other intangible assets

 

7,521

 

 

8,098

 

Federal Home Loan Bank stock and other interest-earning assets

 

11,276

 

 

13,473

 

          Total Assets

$

5,566,650

 

$

5,015,072

 

 

 

 

 

 

 

 

LIABILITIES AND STOCKHOLDERS' EQUITY

 

 

 

 

 

 

Liabilities:

 

 

 

 

 

 

Deposits

$

4,512,158

 

$

3,960,106

 

Securities sold under reverse repurchase agreements with customers

 

191,624

 

 

84,167

 

Short-term borrowings and other interest-bearing liabilities

 

1,279

 

 

228,157

 

Subordinated debentures issued to capital trust

 

25,774

 

 

25,774

 

Subordinated notes

 

148,032

 

 

74,276

 

Accrued interest payable

 

3,464

 

 

4,250

 

Advances from borrowers for taxes and insurance

 

10,729

 

 

7,484

 

Accrued expenses and other liabilities

 

33,520

 

 

24,904

 

Current and deferred income taxes

 

13,342

 

 

2,888

 

          Total Liabilities

 

4,939,922

 

 

4,412,006

 

 

 

 

 

 

 

Commitments and Contingencies

 

-

 

 

-

 

 

 

 

 

 

 

 

Stockholders' Equity:

 

 

 

 

 

 

Capital stock

 

 

 

 

 

 

Serial preferred stock –$0.01 par value; authorized 1,000,000 shares; issued
and outstanding June 2020 and December 2019 - - 0- shares

 

-

 

 

-

 

Common stock, $0.01 par value; authorized 20,000,000 shares; issued and outstanding June 2020  –14,084,420 shares; December 2019 - 14,261,052 shares

 

141

 

 

143

 

Additional paid-in capital

 

34,230

 

 

33,510

 

Retained earnings

 

533,346

 

 

537,167

 

Accumulated other comprehensive income

 

59,011

 

 

32,246

 

          Total Stockholders' Equity

 

626,728

 

 

603,066

 

          Total Liabilities and Stockholders' Equity

$

5,566,650

 

$

5,015,072

 

 


See Notes to Consolidated Financial Statements

 

2



GREAT SOUTHERN BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

(In thousands, except per share data)

 

 

 

THREE MONTHS ENDED
JUNE 30,

 

 

 

2020

 

 

2019

 

 

 

(Unaudited)

 

 

INTEREST INCOME

 

 

 

 

 

 

Loans

$

50,848 

 

$

55,771 

 

Investment securities and other

 

3,163 

 

 

2,952 

 

TOTAL INTEREST INCOME

 

54,011 

 

 

58,723 

 

 

 

 

 

 

 

 

INTEREST EXPENSE

 

 

 

 

 

 

Deposits

 

9,041 

 

 

11,582 

 

Short-term borrowings and repurchase agreements

 

10 

 

 

859 

 

Subordinated debentures issued to capital trust

 

167 

 

 

267 

 

Subordinated notes

 

1,338 

 

 

1,094 

 

TOTAL INTEREST EXPENSE

 

10,556 

 

 

13,802 

 

 

 

 

 

 

 

NET INTEREST INCOME

 

43,455 

 

 

44,921 

 

PROVISION FOR LOAN LOSSES

 

6,000 

 

 

1,600 

 

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES

 

37,455 

 

 

43,321 

 

 

 

 

 

 

 

 

NON-INTEREST INCOME

 

 

 

 

 

 

Commissions

 

176 

 

 

163 

 

Service charges and ATM fees

 

4,140 

 

 

5,309 

 

Net gains on loan sales

 

1,841 

 

 

376 

 

Net realized gains on sales of available-for-sale securities

 

78 

 

 

- 

 

Late charges and fees on loans

 

468 

 

 

356 

 

Loss on derivative interest rate products

 

(106)

 

 

(44)

 

Other income

 

1,664 

 

 

997 

 

TOTAL NON-INTEREST INCOME

 

8,261 

 

 

7,157 

 

 

 

 

 

 

 

 

NON-INTEREST EXPENSE

 

 

 

 

 

 

Salaries and employee benefits

 

16,830 

 

            

15,428 

 

Net occupancy and equipment expense

 

6,707 

 

 

6,449 

 

Postage

 

777 

 

 

784 

 

Insurance

 

534 

 

 

662 

 

Advertising

 

437 

 

 

842 

 

Office supplies and printing

 

301 

 

 

226 

 

Telephone

 

1,005 

 

 

839 

 

Legal, audit and other professional fees

 

664 

 

 

630 

 

Expense on other real estate and repossessions

 

268 

 

 

419 

 

Partnership tax credit investment amortization

 

- 

 

 

91 

 

Acquired deposit intangible asset amortization

 

289 

 

 

289 

 

Other operating expenses

 

1,537 

 

 

1,724 

 

TOTAL NON-INTEREST EXPENSE

 

29,349 

 

 

28,383 

 

 

 

 

 

 

 

 

INCOME BEFORE INCOME TAXES

 

16,367 

 

 

22,095 

 

PROVISION FOR INCOME TAXES

 

3,164 

 

 

3,720 

 

NET INCOME AND NET INCOME AVAILABLE TO COMMON STOCKHOLDERS

$

13,203 

 

 

$

18,375 

 

 

 

 

 

 

 

 

Basic Earnings Per Common Share

$

0.94 

 

$

1.29 

 

Diluted Earnings Per Common Share

$

0.93 

 

$

1.28 

 

Dividends Declared Per Common Share

$

0.34 

 

$

0.32 

 


  See Notes to Consolidated Financial Statements

 

3



GREAT SOUTHERN BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

(In thousands, except per share data)

 

 

 

SIX MONTHS ENDED
JUNE 30,

 

 

 

2020

 

 

2019

 

 

 

(Unaudited)

 

 

INTEREST INCOME

 

 

 

 

 

 

Loans

$

104,978 

 

$

110,327 

 

Investment securities and other

 

6,507 

 

 

5,754 

 

TOTAL INTEREST INCOME

 

111,485 

 

 

116,081 

 

 

 

 

 

 

 

 

INTEREST EXPENSE

 

 

 

 

 

 

Deposits

 

19,618 

 

 

22,052 

 

Short-term borrowings and repurchase agreements

 

659 

 

 

1,780 

 

Subordinated debentures issued to capital trust

 

383 

 

 

534 

 

Subordinated notes

 

2,432 

 

 

2,189 

 

TOTAL INTEREST EXPENSE

 

23,092 

 

 

26,555 

 

 

 

 

 

 

 

NET INTEREST INCOME

 

88,393 

 

 

89,526 

 

PROVISION FOR LOAN LOSSES

 

9,871 

 

 

3,550 

 

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES

 

78,522 

 

 

85,976 

 

 

 

 

 

 

 

 

NON-INTEREST INCOME

 

 

 

 

 

 

Commissions

 

442 

 

 

497 

 

Service charges and ATM fees

 

8,898 

 

 

10,268 

 

Net gains on loan sales

 

2,430 

 

 

623 

 

Net realized gains on sales of available-for-sale securities

 

78 

 

 

10 

 

Late charges and fees on loans

 

824 

 

 

702 

 

Loss on derivative interest rate products

 

(514)

 

 

(68)

 

Other income

 

3,469 

 

 

2,575 

 

TOTAL NON-INTEREST INCOME

 

15,627 

 

 

14,607 

 

 

 

 

 

 

 

 

NON-INTEREST EXPENSE

 

 

 

 

 

 

Salaries and employee benefits

 

34,999 

 

            

31,068 

 

Net occupancy and equipment expense

 

13,473 

 

 

12,850 

 

Postage

 

1,546 

 

 

1,550 

 

Insurance

 

916 

 

 

1,328 

 

Advertising

 

1,057 

 

 

1,368 

 

Office supplies and printing

 

535 

 

 

485 

 

Telephone

 

1,917 

 

 

1,742 

 

Legal, audit and other professional fees

 

1,262 

 

 

1,342 

 

Expense on other real estate and repossessions

 

747 

 

 

1,039 

 

Partnership tax credit investment amortization

 

- 

 

 

182 

 

Acquired deposit intangible asset amortization

 

577 

 

 

613 

 

Other operating expenses

 

3,134 

 

 

3,310 

 

TOTAL NON-INTEREST EXPENSE

 

60,163 

 

 

56,877 

 

 

 

 

 

 

 

 

INCOME BEFORE INCOME TAXES

 

33,986 

 

 

43,706 

 

PROVISION FOR INCOME TAXES

 

5,915 

 

 

7,718 

 

NET INCOME AND NET INCOME AVAILABLE TO COMMON STOCKHOLDERS

$

28,071 

 

 

$

35,988 

 

 

 

 

 

 

 

 

Basic Earnings Per Common Share

$

1.98 

 

$

2.54 

 

Diluted Earnings Per Common Share

$

1.98 

 

$

2.52 

 

Dividends Declared Per Common Share

$

1.68 

 

$

1.39 

 

 


  See Notes to Consolidated Financial Statements

 

4



GREAT SOUTHERN BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(In thousands)

 

 

THREE MONTHS ENDED
JUNE 30,

 

 

2020

 

 

2019

 

 

(Unaudited)

 

 

 

 

Net Income

$

13,203 

 

$

18,375 

 

 

 

 

 

 

 

 

Unrealized appreciation on available-for-sale securities, net of taxes of $1,602
and $1,540, for 2020 and 2019, respectively

 

5,424 

 

 

5,213 

 

 

 

 

 

 

 

 

Reclassification adjustment for gains included in net income, net of taxes
of $18 and $0, for 2020 and 2019, respectively

 

(60)

 

 

- 

 

 

 

 

 

 

 

 

Change in fair value of cash flow hedge, net of taxes of $0 and $2,519, for
2020 and 2019, respectively

 

-

 

 

8,528 

 

 

 

 

 

 

 

 

Amortization of realized gain on termination of cash flow hedge, net of taxes
(credit) of $(461) and $0 for 2020 and 2019, respectively

 

(1,564)

 

 

- 

 

 

 

 

 

 

 

 

Comprehensive Income

$

17,003 

 

$

32,116 

 

 

 

 

SIX MONTHS ENDED
JUNE 30,

 

 

2020

 

 

2019

 

 

(Unaudited)

 

 

 

 

Net Income

$

28,071 

 

$

35,988 

 

 

 

 

 

 

 

 

Unrealized appreciation on available-for-sale securities, net of taxes of $5,013
and $2,419, for 2020 and 2019, respectively

 

16,973 

 

 

8,190 

 

 

 

 

 

 

 

 

Reclassification adjustment for gains included in net income, net of taxes of
$18 and $2, for 2020 and 2019, respectively

 

(60)

 

 

(8)

 

 

 

 

 

 

 

 

Change in fair value of cash flow hedge, net of taxes of $3,519 and $4,231, for
2020 and 2019, respectively

 

11,914 

 

 

14,328 

 

 

 

 

 

 

 

 

Amortization of realized gain on termination of cash flow hedge, net of taxes
(credit) of $(608) and $0 for 2020 and 2019, respectively

 

(2,062)

 

 

- 

 

 

 

 

 

 

 

 

Comprehensive Income

$

54,836 

 

$

58,498 

 

 


  See Notes to Consolidated Financial Statements

 

5



GREAT SOUTHERN BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY

(In thousands, except per share data)

 

 

 

THREE MONTHS ENDED JUNE 30, 2019

 

 

 

 

 

 

 

 

 

 

 

 

Accumulated

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other

 

 

 

 

 

 

 

 

 

Common

 

 

Additional

 

 

Retained

 

 

Comprehensive

 

 

Treasury

 

 

 

 

 

 

Stock

 

 

Paid-in Capital

 

 

Earnings

 

 

Income (Loss)

 

 

Stock

 

 

Total

 

 

 

(Unaudited)

 

 

Balance, March 31, 2019

$

142

 

$

30,916

 

$

494,181 

 

$

18,396

 

$

- 

 

$

543,635 

 

Net income

 

-

 

 

-

 

 

18,375 

 

 

-

 

 

- 

 

 

18,375 

 

Stock issued under Stock Option

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Plan

 

-

 

 

687

 

 

-  

 

 

-

 

 

415 

 

 

1,102 

 

Common dividends declared,

 

-

 

 

-

 

 

(4,544)

 

 

-

 

 

- 

 

 

(4,544)

 

$0.32 per share

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other comprehensive gain

 

-

 

 

-

 

 

-  

 

 

13,741

 

 

- 

 

 

13,741 

 

Reclassification of treasury stock

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

per Maryland law

 

-

 

 

-

 

 

415 

 

 

-

 

 

(415)

 

 

- 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, June 30, 2019

$

142

 

$

31,603

 

$

508,427  

 

$

32,137

 

$

- 

 

$

572,309 

 

 

 

 

THREE MONTHS ENDED JUNE 30, 2020

 

 

 

 

 

 

 

 

 

 

 

 

Accumulated

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other

 

 

 

 

 

 

 

 

 

Common

 

 

Additional

 

 

Retained

 

 

Comprehensive

 

 

Treasury

 

 

 

 

 

 

Stock

 

 

Paid-in Capital

 

 

Earnings

 

 

Income (Loss)

 

 

Stock

 

 

Total

 

 

 

(Unaudited)

 

 

Balance, March 31, 2020

$

141 

 

$

33,958

 

$

524,922 

 

$

55,211

 

$

- 

 

$

614,232 

 

Net income

 

- 

 

 

-

 

 

13,203 

 

 

-

 

 

- 

 

 

13,203 

 

Stock issued under Stock Option

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Plan

 

- 

 

 

272

 

 

- 

 

 

-

 

 

10 

 

 

282 

 

Common dividends declared,

 

- 

 

 

-

 

 

(4,789)

 

 

-

 

 

- 

 

 

(4,789)

 

$0.34 per share

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other comprehensive gain

 

- 

 

 

-

 

 

- 

 

 

3,800

 

 

- 

 

 

3,800 

 

Reclassification of treasury stock

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

per Maryland law

 

- 

 

 

-

 

 

10 

 

 

-

 

 

(10)

 

 

- 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, June 30, 2020

$

141 

 

$

34,230

 

$

533,346 

 

$

59,011

 

$

- 

 

$

626,728 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


  See Notes to Consolidated Financial Statements

 

6



GREAT SOUTHERN BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY

(In thousands, except per share data)

 

 

 

SIX MONTHS ENDED JUNE 30, 2019

 

 

 

 

 

 

 

 

 

 

 

Accumulated

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other

 

 

 

 

 

 

 

 

Common

 

 

Additional

 

 

Retained

 

 

Comprehensive

 

 

Treasury

 

 

 

 

 

Stock

 

 

Paid-in Capital

 

 

Earnings

 

 

Income (Loss)

 

 

Stock

 

 

Total

 

(Unaudited)

Balance, January 1, 2019

$

142

 

$

30,121

 

$

492,087 

 

$

9,627

 

$

- 

 

$

531,977 

Net income

 

-

 

 

-

 

 

35,988 

 

 

-

 

 

- 

 

 

35,988 

Stock issued under Stock Option

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Plan

 

-

 

 

1,482

 

 

- 

 

 

-

 

 

892 

 

 

2,374 

Common dividends declared,

 

-

 

 

-

 

 

(19,691)

 

 

-

 

 

- 

 

 

(19,691)

$1.39 per share

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Purchase of the Company’s

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 common stock

 

-

 

 

-

 

 

- 

 

 

-

 

 

(849)

 

 

(849)

Other comprehensive gain

 

-

 

 

-

 

 

- 

 

 

22,510

 

 

- 

 

 

22,510 

Reclassification of treasury stock

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

per Maryland law

 

-

 

 

-

 

 

43 

 

 

-

 

 

(43)

 

 

- 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, June 30, 2019

$

142

 

$

31,603

 

$

508,427 

 

$

32,137

 

$

- 

 

$

572,309 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SIX MONTHS ENDED JUNE 30, 2020

 

 

 

 

 

 

 

 

 

 

 

 

Accumulated

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other

 

 

 

 

 

 

 

 

 

Common

 

 

Additional

 

 

Retained

 

 

Comprehensive

 

 

Treasury

 

 

 

 

 

 

Stock

 

 

Paid-in Capital

 

 

Earnings

 

 

Income (Loss)

 

 

Stock

 

 

Total

 

 

 

(Unaudited)

 

 

Balance, January 1, 2020

$

143 

 

$

33,510

 

$

537,167 

 

$

32,246

 

$

- 

 

$

603,066 

 

Net income

 

- 

 

 

-

 

 

28,071 

 

 

-

 

 

- 

 

 

28,071 

 

Stock issued under Stock Option

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Plan

 

- 

 

 

720

 

 

- 

 

 

-

 

 

97 

 

 

817 

 

Common dividends declared,

 

- 

 

 

-

 

 

(23,843)

 

 

-

 

 

- 

 

 

(23,843)

 

$1.68 per share

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other comprehensive gain

 

- 

 

 

-

 

 

- 

 

 

26,765

 

 

- 

 

 

26,765 

 

Purchase of the Company’s

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

   common stock

 

- 

 

 

-

 

 

- 

 

 

-

 

 

(8,148)

 

 

(8,148)

 

Reclassification of treasury stock

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

per Maryland law

 

(2)

 

 

-

 

 

(8,049)

 

 

-

 

 

8,051 

 

 

- 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, June 30, 2020

$

141

 

$

34,230

 

$

533,346 

 

$

59,011

 

$

- 

 

$

626,728 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


  See Notes to Consolidated Financial Statements

 

7



GREAT SOUTHERN BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS

(In thousands)

 

 

SIX MONTHS ENDED

JUNE 30,

 

 

2020

 

 

2019

 

 

(Unaudited)

 

 

CASH FLOWS FROM OPERATING ACTIVITIES

 

 

 

 

 

 

Net income

$

28,071 

 

$

35,988 

 

Proceeds from sales of loans held for sale

 

121,921 

 

 

34,375 

 

Originations of loans held for sale

 

(128,939)

 

 

(43,145)

 

Items not requiring (providing) cash:

 

 

 

 

 

 

Depreciation

 

4,982 

 

 

4,631 

 

Amortization

 

847 

 

 

1,059 

 

Compensation expense for stock option grants

 

558 

 

 

443 

 

Provision for loan losses

 

9,871 

 

 

3,550 

 

Net gains on loan sales

 

(2,430)

 

 

(623)

 

Net realized gains on sales of available-for-sale securities

 

(78)

 

 

(10)

 

Net (gains) losses on sale of premises and equipment

 

(24)

 

 

21 

 

Net losses on sale/write-down of other real estate owned and repossessions

 

111 

 

 

161 

 

Accretion of deferred income, premiums, discounts and other

 

(2,548)

 

 

(1,990)

 

Loss on derivative interest rate products

 

514 

 

 

68 

 

Deferred income taxes

 

(29,501)

 

 

578 

 

Changes in:

 

 

 

 

 

 

Interest receivable

 

(1,604)

 

 

(903)

 

Prepaid expenses and other assets

 

17,023 

 

 

(2,031)

 

Accrued expenses and other liabilities

 

1,878 

 

 

4,443 

 

Income taxes refundable/payable

 

14,755 

 

 

2,555 

 

Net cash provided by operating activities

 

35,407 

 

 

39,170 

 

CASH FLOWS FROM INVESTING ACTIVITIES

 

 

 

 

 

 

Net change in loans

 

(251,662)

 

 

(83,072)

 

Purchase of loans

 

(3,625)

 

 

(45,240)

 

Purchase of premises and equipment

 

(3,669)

 

 

(6,708)

 

Proceeds from sale of premises and equipment

 

372 

 

 

113 

 

Proceeds from sale of other real estate owned and repossessions

 

2,011 

 

 

4,537 

 

Capitalized costs on other real estate owned

 

(126)

 

 

- 

 

Proceeds from termination of interest rate derivative

 

45,864 

 

 

- 

 

Proceeds from sales of available-for-sale securities

 

19,236 

 

 

28,057 

 

Proceeds from maturities and calls of available-for-sale securities

 

13,850 

 

 

7,870 

 

Principal reductions on mortgage-backed securities

 

11,172 

 

 

7,402 

 

Purchase of available-for-sale securities

 

(95,145)

 

 

(94,558)

 

Redemption of Federal Home Loan Bank stock and change in other interest-earning assets

 

2,197 

 

 

1,345 

 

Net cash used in investing activities

 

(259,525)

 

 

(180,254)

 

CASH FLOWS FROM FINANCING ACTIVITIES

 

 

 

 

 

 

Net increase (decrease) in certificates of deposit

 

(13,958)

 

 

139,518 

 

Net increase in checking and savings deposits

 

566,021 

 

 

24,040 

 

Net decrease in short-term borrowings

 

(119,421)

 

 

(30,710)

 

Advances from borrowers for taxes and insurance

 

3,245 

 

 

5,458 

 

Proceeds from issuance of subordinated notes

 

73,513 

 

 

- 

 

Dividends paid

 

(23,903)

 

 

(19,674)

 

Purchase of the Company’s common stock

 

(8,148)

 

 

(849)

 

Stock options exercised

 

259 

 

 

1,931 

 

Net cash provided by financing activities

 

477,608 

 

 

119,714 

 

INCREASES (DECREASES) IN CASH AND CASH EQUIVALENTS

 

253,490 

 

 

(21,370)

 

CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD

 

220,155 

 

 

202,742 

 

CASH AND CASH EQUIVALENTS, END OF PERIOD

$

473,645 

 

$

181,372 

 

 


  See Notes to Consolidated Financial Statements

 

8



GREAT SOUTHERN BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE 1: BASIS OF PRESENTATION

 

The accompanying unaudited interim consolidated financial statements of Great Southern Bancorp, Inc. (the "Company" or "Great Southern") have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. The financial statements presented herein reflect all adjustments which are, in the opinion of management, necessary to fairly present the financial condition, results of operations, changes in stockholders’ equity and cash flows of the Company as of the dates and for the periods presented. Those adjustments consist only of normal recurring adjustments. Operating results for the three and six months ended June 30, 2020 are not necessarily indicative of the results that may be expected for the full year. The consolidated statement of financial condition of the Company as of December 31, 2019, has been derived from the audited consolidated statement of financial condition of the Company as of that date.  Certain prior period amounts have been reclassified to conform to the current period presentation.  These reclassifications had no effect on net income.

 

Certain information and note disclosures normally included in the Company's annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted. These condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended December 31, 2019 filed with the Securities and Exchange Commission.

 

 

NOTE 2: NATURE OF OPERATIONS AND OPERATING SEGMENTS

 

The Company operates as a one-bank holding company.  The Company’s business primarily consists of the operations of Great Southern Bank (the “Bank”), which provides a full range of financial services to customers primarily located in Missouri, Iowa, Kansas, Minnesota, Nebraska and Arkansas.  The Bank also originates commercial loans from lending offices in Atlanta, Ga., Chicago, Ill., Dallas, Texas, Denver, Colo., Omaha, Neb. and Tulsa, Okla.  The Company and the Bank are subject to regulation by certain federal and state agencies and undergo periodic examinations by those regulatory agencies.

 

The Company’s banking operation is its only reportable segment.  The banking operation is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans by attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others.  The operating results of this segment are regularly reviewed by management to make decisions about resource allocations and to assess performance.  Selected information is not presented separately for the Company’s reportable segment, as there is no material difference between that information and the corresponding information in the consolidated financial statements.

 

 

NOTE 3: RECENT ACCOUNTING PRONOUNCEMENTS

 

In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326).  The Update amends guidance on reporting credit losses for assets held at amortized cost basis and available for sale debt securities. For assets held at amortized cost basis, Topic 326 eliminates the probable initial recognition threshold in current GAAP and, instead, requires an entity to reflect its current estimate of all expected credit losses. This Update affects entities holding financial assets and net investment in leases that are not accounted for at fair value through net income. The amendments affect loans, debt securities, trade receivables, net investments in leases, off balance sheet credit exposures, reinsurance receivables, and any other financial assets not excluded from the scope that have the contractual right to receive cash.  The Update was set to be effective for the Company on January 1, 2020.  During March 2020, pursuant to the recently-enacted Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) and guidance from the Securities and Exchange Commission (the “SEC”) and the Financial


 

9



 

Accounting Standards Board (the “FASB”), we elected to delay adoption of the new accounting standard related to accounting for credit losses (“CECL”).  Our second quarter and year-to-date financial statements are prepared under the existing incurred loss methodology standard for accounting for loan losses.

 

The adoption of the CECL model will require us to recognize a one-time cumulative adjustment to our allowance for loan losses and a liability for potential losses related to the unfunded portion of our loans and commitments in order to fully transition from the incurred loss model to the CECL model. Upon initial adoption, we expect to increase the balance of our allowance for credit losses in a range of $11 million to $14 million and create a liability for potential losses related to the unfunded portion of our loans and commitments in a range of $7 million to $10 million.  The after-tax effect of this is expected to result in a decrease in our retained earnings of $14 million to $18 million.  Further, we have analyzed the impact on our financial statements at and for the six months ended June 30, 2020 as if we had adopted the CECL accounting standard on January 1, 2020. In addition to the impact from the initial adoption above, under CECL we would expect to further increase the balance of our allowance for credit losses in a range of $3 million to $7 million through a corresponding increase in provision for credit losses during the six months ended June 30, 2020.  This is in addition to the $9.9 million of provision expense already recorded under the incurred loss method during the six months ended June 30, 2020. The liability for potential losses related to the unfunded portion of our loans and commitments would be expected to have no material change during the six months ended June 30, 2020. These estimates are subject to change as material assumptions are refined and model validations are completed.

 

In January 2017, the FASB issued ASU No. 2017-04, Intangibles: Goodwill and Other: Simplifying the Test for Goodwill Impairment (Topic 350). To simplify the subsequent measurement of goodwill, the amendments eliminate Step 2 from the goodwill impairment test. The annual, or interim, goodwill impairment test should be performed by comparing the fair value of a reporting unit with its carrying amount and an impairment charge should be recognized for the amount by which the carrying amount exceeds the reporting unit’s fair value.  An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the qualitative impairment test is necessary.  The nature of and reason for the change in accounting principle should be disclosed upon transition. The amendments in this update are required for annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. The impact of adopting this new guidance during the quarter ended March 31, 2020 did not have a material impact on the Company’s consolidated financial statements. At June 30, 2020, the Company evaluated the current circumstances brought about by the COVID-19 pandemic and its effect on the valuation of the Company and other bank holding companies and determined that no triggering event had occurred requiring an evaluation of goodwill or other intangible asset impairment.

 

In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820) - Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. ASU 2018-13 modifies the disclosure requirements on fair value measurements in Topic 820. The amendments in this update remove disclosures that no longer are considered cost beneficial, modify/clarify the specific requirements of certain disclosures, and add disclosure requirements identified as relevant. ASU 2018-13 is effective for periods beginning after December 15, 2019.  The impact of adopting this new guidance during the quarter ended March 31, 2020 did not have a material impact on the Company’s consolidated financial statements.


 

10



 

NOTE 4: EARNINGS PER SHARE

 

 

Three Months Ended June 30,

 

2020

 

2019

 

(In Thousands, Except Per Share Data)

 

 

 

Basic:

 

 

 

 

 

Average common shares outstanding

 

14,084

 

 

14,192

Net income and net income available to common stockholders

$

13,203

 

$

18,375

Per common share amount

$

0.94

 

$

1.29

 

 

 

 

 

 

Diluted:

 

 

 

 

 

Average common shares outstanding

 

14,084

 

 

14,192

Net effect of dilutive stock options – based on the treasury

 

 

 

 

 

stock method using average market price

 

40

 

 

122

Diluted common shares

 

14,124

 

 

14,314

Net income and net income available to common stockholders

$

13,203

 

$

18,375

Per common share amount

$

0.93

 

$

1.28

 

 

Six Months Ended June 30,

 

2020

 

2019

 

(In Thousands, Except Per Share Data)

 

 

 

Basic:

 

 

 

 

 

Average common shares outstanding

 

14,153

 

 

14,176

Net income and net income available to common stockholders

$

28,071

 

$

35,988

Per common share amount

$

1.98

 

$

2.54

 

 

 

 

 

 

Diluted:

 

 

 

 

 

Average common shares outstanding

 

14,153

 

 

14,176

Net effect of dilutive stock options – based on the treasury

 

 

 

 

 

stock method using average market price

 

56

 

 

122

Diluted common shares

 

14,209

 

 

14,298

Net income and net income available to common stockholders

$

28,071

 

$

35,988

Per common share amount

$

1.98

 

$

2.52

 

 

Options outstanding at June 30, 2020 and 2019, to purchase 653,794 and 309,000 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the three month periods because the exercise prices of such options were greater than the average market prices of the common stock for the three months ended June 30, 2020 and 2019, respectively.  Options outstanding at June 30, 2020 and 2019, to purchase 565,401 and 309,000 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the six month periods because the exercise prices of such options were greater than the average market prices of the common stock for the six months ended June 30, 2020 and 2019, respectively.  

 


 

11



NOTE 5: INVESTMENT SECURITIES

 

The amortized cost and fair values of securities classified as available-for-sale were as follows:

 

 

 

June 30, 2020

 

 

 

 

 

Gross

 

 

Gross

 

 

 

 

 

Amortized

 

 

Unrealized

 

 

Unrealized

 

 

Fair

 

 

Cost

 

 

Gains

 

 

Losses

 

 

Value

 

 

(In Thousands)

 

 

 

 

 

 

 

AVAILABLE-FOR-SALE SECURITIES:

 

 

 

 

 

 

 

 

 

 

 

Agency mortgage-backed securities

$

153,376

 

$

20,646

 

$

- 

 

$

174,022

Agency collateralized mortgage obligations

 

169,607

 

 

10,226

 

 

- 

 

 

179,833

States and political subdivisions

 

69,203

 

 

2,002

 

 

2 

 

 

71,203

Small Business Administration securities

 

21,126

 

 

751

 

 

- 

 

 

21,877

$

413,312

 

$

33,625

 

$

2 

 

$

446,935

 

 

 

December 31, 2019

 

 

 

 

 

Gross

 

 

Gross

 

 

 

 

 

Amortized

 

 

Unrealized

 

 

Unrealized

 

 

Fair

 

 

Cost

 

 

Gains

 

 

Losses

 

 

Value

 

 

(In Thousands)

 

 

 

 

 

 

 

AVAILABLE-FOR-SALE SECURITIES:

 

 

 

 

 

 

 

 

 

 

 

Agency mortgage-backed securities

$

156,591

 

$

8,716

 

$

265

 

$

165,042

Agency collateralized mortgage obligations

 

149,980

 

 

2,891

 

 

921

 

 

151,950

States and political subdivisions

 

33,757

 

 

1,368

 

 

-

 

 

35,125

Small Business Administration securities

 

22,132

 

 

-   

 

 

74

 

 

22,058

$

362,460

 

$

12,975

 

$

1,260

 

$

374,175

 

 

 

 

 

 

 

 

 

 

 

 

 

 

The amortized cost and fair value of available-for-sale securities at June 30, 2020, by contractual maturity, are shown below.  Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.

 

 

 

Amortized

 

 

Fair

 

 

Cost

 

 

Value

 

 

(In Thousands)

 

 

 

 

 

 

One year or less

$

-

 

$

-

After one through five years

 

-

 

 

-

After five through ten years

 

12,572

 

 

13,172

After ten years

 

56,631

 

 

58,031

Securities not due on a single maturity date

 

344,109

 

 

375,732

 

 

 

 

 

 

 

$

413,312

 

$

446,935

 

 

There were no securities classified as held to maturity at June 30, 2020 or December 31, 2019.

 

Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at June 30, 2020 and December 31, 2019, was approximately $504,000 and $116.2 million, respectively, which is approximately 0.1% and 31.1% of the Company’s available-for-sale investment portfolio, respectively.

 


 

12



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

 

The following table shows the Company’s gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at June 30, 2020 and December 31, 2019:

 

 

 

June 30, 2020

 

 

Less than 12 Months

 

 

12 Months or More

 

 

Total

 

 

Fair

 

 

Unrealized

 

 

Fair

 

 

Unrealized

 

 

Fair

 

 

Unrealized

Description of Securities

 

Value

 

 

Losses

 

 

Value

 

 

Losses

 

 

Value

 

 

Losses

 

 

(In Thousands)

 

 

 

 

 

 

States and political subdivisions

$

504

 

$

(2)

 

$

-

 

$

-

 

$

504

 

$

(2)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

504

 

$

(2)

 

$

-

 

$

-

 

$

504

 

$

(2)

 

 

 

December 31, 2019

 

 

Less than 12 Months

 

 

12 Months or More

 

 

Total

 

 

Fair

 

 

Unrealized

 

 

Fair

 

 

Unrealized

 

 

Fair

 

 

Unrealized

Description of Securities

 

Value

 

 

Losses

 

 

Value

 

 

Losses

 

 

Value

 

 

Losses

 

 

(In Thousands)

 

 

 

 

 

Agency mortgage-backed securities

$

-

 

$

-

 

$

24,762

 

$

(265)

 

$

24,762

 

$

(265)

Agency collateralized mortgage obligations

 

69,372

 

 

(921)

 

 

-

 

 

-

 

 

69,372

 

 

(921)

Small Business Administration securities

 

22,058

 

 

(74)

 

 

-

 

 

-

 

 

22,058

 

 

(74)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

91,430

 

$

(995)

 

$

24,762

 

$

(265)

 

$

116,192

 

$

(1,260)

 

 

Gross gains of $78,000 resulting from sales of available-for-sale securities were realized during the three and six months ended June 30, 2020. No gains or losses from sales of available-for-sale securities were realized during the three months ended June 30, 2019. Gross gains of $226,000 and gross losses of $216,000 resulting from sales of available-for-sale securities were realized during the six months ended June 30, 2019.  Gains and losses on sales of securities are determined on the specific-identification method.

 

Other-than-temporary Impairment.  Upon acquisition of a security, the Company decides whether it is within the scope of the accounting guidance for beneficial interests in securitized financial assets or will be evaluated for impairment under the accounting guidance for investments in debt and equity securities.

 

The accounting guidance for beneficial interests in securitized financial assets provides incremental impairment guidance for a subset of the debt securities within the scope of the guidance for investments in debt and equity securities.  For securities where the security is a beneficial interest in securitized financial assets, the Company uses the beneficial interests in securitized financial asset impairment model.  For securities where the security is not a beneficial interest in securitized financial assets, the Company uses the debt and equity securities impairment model.  The Company does not currently have securities within the scope of this guidance for beneficial interests in securitized financial assets.

 

The Company periodically evaluates each investment security in an unrealized loss position to determine whether an other-than-temporary impairment has occurred.  The Company considers the length of time a security has been in an unrealized loss position, the relative amount of the unrealized loss compared to the carrying value of the security, the type of security and other factors.  If certain criteria are met, the Company performs additional review and evaluation using observable market values or various inputs in economic models to determine if an unrealized loss is other-than-temporary.  The Company uses quoted market prices for marketable equity securities and uses broker


 

13



pricing quotes based on observable inputs for equity investments that are not traded on a stock exchange.  For non-agency collateralized mortgage obligations, to determine if the unrealized loss is other than temporary, the Company projects total estimated defaults of the underlying assets (mortgages) and multiplies that calculated amount by an estimate of realizable value upon sale in the marketplace (severity) in order to determine the projected collateral loss.  The Company also evaluates any current credit enhancement underlying these securities to determine the impact on cash flows.  If the Company determines that a given security position will be subject to a write-down or loss, the Company records the expected credit loss as a charge to earnings.

 

During the three and six months ended June 30, 2020, no securities were determined to have impairment that had become other-than-temporary.  

 

Credit Losses Recognized on Investments.  During the three and six months ended June 30, 2020 and 2019, respectively, there were no debt securities that had experienced fair value deterioration due to credit losses, as well as due to other market factors, but are not otherwise other-than-temporarily impaired.

 

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES

 

Classes of loans at June 30, 2020 and December 31, 2019 were as follows:

 

 

 

June 30,

 

 

December 31,

 

 

 

2020

 

 

2019

 

 

 

(In Thousands)

 

 

One- to four-family residential construction

$

34,376 

 

$

33,963 

 

Subdivision construction

 

13,637 

 

 

16,088 

 

Land development

 

38,646 

 

 

40,431 

 

Commercial construction

 

1,211,294 

 

 

1,322,861 

 

Owner occupied one- to four-family residential

 

463,493 

 

 

387,016 

 

Non-owner occupied one- to four-family residential

 

118,897 

 

 

120,343 

 

Commercial real estate

 

1,532,274 

 

 

1,494,172 

 

Other residential

 

1,024,591 

 

 

866,006 

 

Commercial business

 

441,310 

 

 

313,209 

 

Industrial revenue bonds

 

14,222 

 

 

13,189 

 

Consumer auto

 

113,927 

 

 

151,854 

 

Consumer other

 

42,882 

 

 

46,720 

 

Home equity lines of credit

 

116,293 

 

 

118,988 

 

Loans acquired and accounted for under ASC 310-30, net of discounts

 

110,664 

 

 

127,206 

 

 

5,276,506 

 

 

5,052,046 

 

Undisbursed portion of loans in process

 

(816,783)

 

 

(850,666)

 

Allowance for loan losses

 

(49,801)

 

 

(40,294)

 

Deferred loan fees and gains, net

 

(10,277)

 

 

(7,104)

 

$

4,399,645 

 

$

4,153,982 

 

 

 

 

 

 

 

 

Weighted average interest rate

 

4.34%

 

 

4.97%

 

 


 

14



 

 

Classes of loans by aging were as follows:

 

 

 

June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

> 90 Days

 

 

30-59 Days

 

 

60-89 Days

 

 

90+ Days

 

 

Total

 

 

 

 

 

Loans

 

 

Past Due and

 

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Current

 

 

Receivable

 

 

Still Accruing

 

 

(In Thousands)

One- to four-family

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

residential construction

$

79

 

$

-

 

$

-

 

$

79

 

$

34,297

 

$

34,376

 

$

-

Subdivision construction

 

-

 

 

-

 

 

-

 

 

-

 

 

13,637

 

 

13,637

 

 

-

Land development

 

-

 

 

24

 

 

-

 

 

24

 

 

38,622

 

 

38,646

 

 

-

Commercial construction

 

-

 

 

-

 

 

-

 

 

-

 

 

1,211,294

 

 

1,211,294

 

 

-

Owner occupied one- to

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

four-family residential

 

227

 

 

175

 

 

2,109

 

 

2,511

 

 

460,982

 

 

463,493

 

 

-

Non-owner occupied one-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

to four-family residential

 

224

 

 

28

 

 

279

 

 

531

 

 

118,366

 

 

118,897

 

 

-

Commercial real estate

 

-

 

 

-

 

 

727

 

 

727

 

 

1,531,547

 

 

1,532,274

 

 

-

Other residential

 

-

 

 

-

 

 

-

 

 

-

 

 

1,024,591

 

 

1,024,591

 

 

-

Commercial business

 

-

 

 

-

 

 

1,182

 

 

1,182

 

 

440,128

 

 

441,310

 

 

-

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

 

-

 

 

14,222

 

 

14,222

 

 

-

Consumer auto

 

305

 

 

40

 

 

361

 

 

706

 

 

113,221

 

 

113,927

 

 

-

Consumer other

 

85

 

 

1

 

 

114

 

 

200

 

 

42,682

 

 

42,882

 

 

-

Home equity lines of credit

 

669

 

 

103

 

 

517

 

 

1,289

 

 

115,004

 

 

116,293

 

 

-

Loans acquired and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

accounted for under

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ASC 310-30, net of

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

discounts

 

267

 

 

189

 

 

5,149

 

 

5,605

 

 

105,059

 

 

110,664

 

 

-

 

1,856

 

 

560

 

 

10,438

 

 

12,854

 

 

5,263,652

 

 

5,276,506

 

 

-

Less loans acquired and
accounted for under  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ASC 310-30, net of

discounts

 

267

 

 

189

 

 

5,149

 

 

5,605

 

 

105,059

 

 

110,664

 

 

-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

1,589

 

$

371

 

$

5,289

 

$

7,249

 

$

5,158,593

 

$

5,165,842

 

$

-

 

 


 

15



 

 

 

 

 

December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

> 90 Days

 

 

30-59 Days

 

 

60-89 Days

 

 

90+ Days

 

 

Total

 

 

 

 

 

Loans

 

 

Past Due and

 

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Current

 

 

Receivable

 

 

Still Accruing

 

 

(In Thousands)

One- to four-family

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

residential construction

$

-

 

$

-

 

$

-

 

$

-

 

$

33,963

 

$

33,963

 

$

-

Subdivision construction

 

-

 

 

-

 

 

-

 

 

-

 

 

16,088

 

 

16,088

 

 

-

Land development

 

-

 

 

27

 

 

-

 

 

27

 

 

40,404

 

 

40,431

 

 

-

Commercial construction

 

15,085

 

 

-

 

 

-

 

 

15,085

 

 

1,307,776

 

 

1,322,861

 

 

-

Owner occupied one- to

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

four-family residential

 

1,453

 

 

1,631

 

 

1,198

 

 

4,282

 

 

382,734

 

 

387,016

 

 

-

Non-owner occupied one-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

to four-family residential

 

152

 

 

-

 

 

181

 

 

333

 

 

120,010

 

 

120,343

 

 

-

Commercial real estate

 

549

 

 

119

 

 

632

 

 

1,300

 

 

1,492,872

 

 

1,494,172

 

 

-

Other residential

 

376

 

 

-

 

 

-

 

 

376

 

 

865,630

 

 

866,006

 

 

-

Commercial business

 

60

 

 

-

 

 

1,235

 

 

1,295

 

 

311,914

 

 

313,209

 

 

-

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

 

-

 

 

13,189

 

 

13,189

 

 

-

Consumer auto

 

1,101

 

 

259

 

 

558

 

 

1,918

 

 

149,936

 

 

151,854

 

 

-

Consumer other

 

278

 

 

233

 

 

198

 

 

709

 

 

46,011

 

 

46,720

 

 

-

Home equity lines of credit

 

296

 

 

-

 

 

517

 

 

813

 

 

118,175

 

 

118,988

 

 

-

Loans acquired and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

accounted for under

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ASC 310-30, net of

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

discounts

 

2,177

 

 

709

 

 

6,191

 

 

9,077

 

 

118,129

 

 

127,206

 

 

-

 

21,527

 

 

2,978

 

 

10,710

 

 

35,215

 

 

5,016,831

 

 

5,052,046

 

 

-

Less loans acquired and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 accounted for under  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 ASC 310-30, net of

 discounts

 

2,177

 

 

709

 

 

6,191

 

 

9,077

 

 

118,129

 

 

127,206

 

 

-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

19,350

 

$

2,269

 

$

4,519

 

$

26,138

 

$

4,898,702

 

$

4,924,840

 

$

-

 

 

 

Non-accruing loans (excluding FDIC-assisted acquired loans, net of discount) are summarized as follows:

 

 

 

June 30,

 

 

 

December 31,

 

 

2020

 

 

 

2019

 

 

(In Thousands)

 

One- to four-family residential construction

$

-

 

 

$

-

Subdivision construction

 

-

 

 

 

-

Land development

 

-

 

 

 

-

Commercial construction

 

-

 

 

 

-

Owner occupied one- to four-family residential

 

2,109

 

 

 

1,198

Non-owner occupied one- to four-family residential

 

279

 

 

 

181

Commercial real estate

 

727

 

 

 

632

Other residential

 

-

 

 

 

-

Commercial business

 

1,182

 

 

 

1,235

Industrial revenue bonds

 

-

 

 

 

-

Consumer auto

 

361

 

 

 

558

Consumer other

 

114

 

 

 

198

Home equity lines of credit

 

517

 

 

 

517

 

 

 

 

 

 

 

Total

$

5,289

 

 

$

4,519

 

 


 

16



 

The following table presents the activity in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2020.  Also presented are the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of June 30, 2020:

 

 

 

 

One- to Four-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Family

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential and

 

 

Other

 

 

Commercial

 

 

Commercial

 

 

Commercial

 

 

 

 

 

 

 

 

 

Construction

 

 

Residential

 

 

Real Estate

 

 

Construction

 

 

Business

 

 

Consumer

 

 

Total

 

 

 

(In Thousands)

 

 

Allowance for loan losses

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, April 1, 2020

$

4,739 

 

$

6,146

 

$

25,923

 

$

2,221

 

$

1,579

 

$

3,320 

 

$

43,928 

 

 Provision (benefit) charged to
  expense

 

(250)

 

 

2,866

 

 

2,982

 

 

563

 

 

200

 

 

(361)

 

 

6,000 

 

 Losses charged off

 

(11)

 

 

-

 

 

-

 

 

-

 

 

-

 

 

(746)

 

 

(757)

 

 Recoveries

 

14 

 

 

52

 

 

-

 

 

9

 

 

38

 

 

517 

 

 

630 

 

Balance, June 30, 2020

$

4,492 

 

$

9,064

 

$

28,905

 

$

2,793

 

$

1,817

 

$

2,730 

 

$

49,801 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for loan losses

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, January 1, 2020

$

4,339 

 

$

5,153

 

$

24,334

 

$

3,076

 

$

1,355

 

$

2,037 

 

$

40,294 

 

 Provision (benefit) charged to
  expense

 

144 

 

 

3,738

 

 

4,538

 

 

(304

)

 

369

 

 

1,386

 

 

9,871 

 

 Losses charged off

 

(40)

 

 

-

 

 

-

 

 

(1

)

 

(9

)

 

(1,852

)

 

(1,902)

 

 Recoveries

 

49 

 

 

173

 

 

33

 

 

22

 

 

102

 

 

1,159

 

 

1,538 

 

Balance, June 30, 2020

$

4,492 

 

$

9,064

 

$

28,905

 

$

2,793

 

$

1,817

 

$

2,730

 

$

49,801 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 impairment

$

78 

 

$

-

 

$

486

 

$

-

 

$

9

 

$

138

 

$

711 

 

Collectively evaluated for

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 impairment

$

4,342 

 

$

8,972

 

$

28,091

 

$

2,669

 

$

1,767

 

$

2,577

 

$

48,418 

 

Loans acquired and accounted

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 for under ASC310-30

$

72 

 

$

92

 

$

328

 

$

124

 

$

41

 

$

15

 

$

672 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 impairment

$

3,054 

 

$

-

 

$

3,674

 

$

-

 

$

1,220

 

$

1,526

 

$

9,474 

 

Collectively evaluated for

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 impairment

$

627,349 

 

$

1,024,591

 

$

1,528,600

 

$

1,249,940

 

$

454,312

 

$

271,576

 

$

5,156,368 

 

Loans acquired and accounted

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 for under ASC310-30

$

63,801 

 

$

6,156

 

$

26,474

 

$

3,176

 

$

2,522

 

$

8,535

 

$

110,664 

 

 

The following table presents the activity in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2019.

 

 

 

One- to Four-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Family

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential and

 

 

Other

 

 

Commercial

 

 

Commercial

 

 

Commercial

 

 

 

 

 

 

 

 

 

Construction

 

 

Residential

 

 

Real Estate

 

 

Construction

 

 

Business

 

 

Consumer

 

 

Total

 

 

 

(In Thousands)

 

 

Allowance for loan losses

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance April 1, 2019

$

3,036 

 

$

5,436 

 

$

20,981 

 

$

2,515 

 

$

1,484 

 

$

5,199 

 

$

38,651 

 

Provision (benefit) charged to
 expense

 

805 

 

 

(1,683)

 

 

1,382 

 

 

1,145 

 

 

62 

 

 

(111)

 

 

1,600 

 

Losses charged off

 

(62)

 

 

-

 

 

(7)

 

 

(189)

 

 

(25)

 

 

(1,699)

 

 

(1,982)

 

Recoveries

 

24 

 

 

-

 

 

11 

 

 

8 

 

 

157 

 

 

785 

 

 

985 

 

Balance June 30, 2019

$

3,803 

 

$

3,753 

 

$

22,367 

 

$

3,479 

 

$

1,678 

 

$

4,174 

 

$

39,254 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance January 1, 2019

$

3,122 

 

$

4,713 

 

$

19,803 

 

$

3,105 

 

$

1,568 

 

$

6,098 

 

$

38,409 

 

Provision (benefit) charged to
 expense

 

1,163 

 

 

(960)

 

 

2,545 

 

 

574 

 

 

(90)

 

 

318 

 

 

3,550 

 

Losses charged off

 

(517)

 

 

- 

 

 

(7)

 

 

(220)

 

 

(99)

 

 

(3,905)

 

 

(4,748)

 

Recoveries

 

35 

 

 

- 

 

 

26 

 

 

20 

 

 

299 

 

 

1,663 

 

 

2,043 

 

Balance June 30, 2019

$

3,803 

 

$

3,753 

 

$

22,367 

 

$

3,479 

 

$

1,678 

 

$

4,174 

 

$

39,254 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


 

17



The following table presents the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2019:

 

 

 

 

One- to Four-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Family

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential and

 

 

Other

 

 

Commercial

 

 

Commercial

 

 

Commercial

 

 

 

 

 

 

 

 

Construction

 

 

Residential

 

 

Real Estate

 

 

Construction

 

 

Business

 

 

Consumer

 

 

Total

 

 

(In Thousands)

Allowance for loan losses

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated
   for impairment

$

198

 

$

-

 

$

517

 

$

-

 

$

13

 

$

201

 

$

929

Collectively evaluated
   for impairment

$

3,973

 

$

5,101

 

$

23,570

 

$

2,940

 

$

1,306

 

$

1,814

 

$

38,704

Loans acquired and
   accounted for under
   ASC310-30

$

168

 

$

52

 

$

247

 

$

136

 

$

36

 

$

22

 

$

661

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated
   for impairment

$

2,960

 

$

-

 

$

4,020

 

$

-

 

$

1,286

 

$

2,001

 

$

10,267

Collectively evaluated
   for impairment

$

554,450

 

$

866,006

 

$

1,490,152

 

$

1,363,292

 

$

325,112

 

$

315,561

 

$

4,914,573

Loans acquired and
   accounted for under
   ASC 310-30

$

74,562

 

$

5,334

 

$

29,158

 

$

3,606

 

$

3,356

 

$

11,190

 

$

127,206

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

The portfolio segments used in the preceding three tables correspond to the loan classes used in all other tables in Note 6 as follows:

 

·The one- to four-family residential and construction segment includes the one- to four-family residential construction, subdivision construction, owner occupied one- to four-family residential and non-owner occupied one- to four-family residential classes 

·The other residential segment corresponds to the other residential class 

·The commercial real estate segment includes the commercial real estate and industrial revenue bonds classes 

·The commercial construction segment includes the land development and commercial construction classes 

·The commercial business segment corresponds to the commercial business class 

·The consumer segment includes the consumer auto, consumer other and home equity lines of credit classes 

 

A loan is considered impaired, in accordance with the impairment accounting guidance (FASB ASC 310-10-35-16), when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include not only nonperforming loans but also include loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties.

 


 

18



 

Impaired loans (excluding FDIC-assisted loans, net of discount), are summarized as follows:

 

 

 

June 30, 2020

 

 

 

 

 

 

Unpaid

 

 

 

 

 

 

Recorded

 

 

Principal

 

 

Specific

 

 

 

Balance

 

 

Balance

 

 

Allowance

 

 

 

(In Thousands)

 

One- to four-family residential construction

$

-

 

$

-

 

$

-

 

Subdivision construction

 

24

 

 

24

 

 

-

 

Land development

 

-

 

 

-

 

 

-

 

Commercial construction

 

-

 

 

-

 

 

-

 

Owner occupied one- to four-family residential

 

2,751

 

 

3,034

 

 

78

 

Non-owner occupied one- to four-family residential

 

279

 

 

471

 

 

-

 

Commercial real estate

 

3,674

 

 

3,711

 

 

486

 

Other residential

 

-

 

 

-

 

 

-

 

Commercial business

 

1,220

 

 

1,726

 

 

9

 

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

Consumer auto

 

753

 

 

959

 

 

122

 

Consumer other

 

246

 

 

374

 

 

12

 

Home equity lines of credit

 

527

 

 

557

 

 

4

 

 

 

 

 

 

 

 

 

 

 

Total

$

9,474

 

$

10,856

 

$

711

 

 

 

Three Months Ended

June 30, 2020

 

Six Months Ended

June 30, 2020

 

 

Average

 

 

 

 

 

Average

 

 

 

 

 

Investment

 

 

Interest

 

 

Investment

 

 

Interest

 

 

in Impaired

 

 

Income

 

 

in Impaired

 

 

Income

 

 

Loans

 

 

Recognized

 

 

Loans

 

 

Recognized

 

(In Thousands)

 

 

 

 

One- to four-family residential construction

$

-

 

$

-

 

$

-

 

$

-

Subdivision construction

 

170

 

 

1

 

 

209

 

 

3

Land development

 

-

 

 

-

 

 

-

 

 

-

Commercial construction

 

-

 

 

-

 

 

-

 

 

-

Owner occupied one- to four-family residential

 

2,882

 

 

34

 

 

2,702

 

 

80

Non-owner occupied one- to four-family residential

 

418

 

 

5

 

 

425

 

 

11

Commercial real estate

 

3,885

 

 

37

 

 

4,004

 

 

67

Other residential

 

-

 

 

-

 

 

-

 

 

-

Commercial business

 

1,223

 

 

9

 

 

1,243

 

 

25

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

 

-

Consumer auto

 

868

 

 

14

 

 

973

 

 

40

Consumer other

 

265

 

 

6

 

 

276

 

 

16

Home equity lines of credit

 

 500

 

 

 7

 

 

 538

 

 

 19

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

10,211

 

$

113

 

$

10,370

 

$

261

 


 

19



 

 

 

 

 

At or for the Year Ended December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

Average

 

 

 

 

 

 

 

 

Unpaid

 

 

 

 

 

Investment

 

 

Interest

 

 

Recorded

 

 

Principal

 

 

Specific

 

 

in Impaired

 

 

Income

 

 

Balance

 

 

Balance

 

 

Allowance

 

 

Loans

 

 

Recognized

 

 

(In Thousands)

One- to four-family residential construction

$

-

 

$

-

 

$

-

 

$

-

 

$

-

Subdivision construction

 

251

 

 

251

 

 

96

 

 

277

 

 

9

Land development

 

-

 

 

-

 

 

-

 

 

328

 

 

101

Commercial construction

 

-

 

 

-

 

 

-

 

 

-

 

 

-

Owner occupied one- to four- family residential

 

2,300

 

 

2,423

 

 

82

 

 

2,598

 

 

131

Non-owner occupied one- to four-family residential

 

409

 

 

574

 

 

20

 

 

954

 

 

43

Commercial real estate

 

4,020

 

 

4,049

 

 

517

 

 

4,940

 

 

264

Other residential

 

-

 

 

-

 

 

-

 

 

-

 

 

-

Commercial business

 

1,286

 

 

1,771

 

 

13

 

 

1,517

 

 

81

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

 

-

 

 

-

Consumer auto

 

1,117

 

 

1,334

 

 

181

 

 

1,128

 

 

125

Consumer other

 

356

 

 

485

 

 

16

 

 

383

 

 

48

Home equity lines of credit

 

528

 

 

548

 

 

4

 

 

362

 

 

37

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

10,267

 

$

11,435

 

$

929

 

$

12,487

 

$

839

 

 

 

June 30, 2019

 

 

 

 

 

 

Unpaid

 

 

 

 

 

 

Recorded

 

 

Principal

 

 

Specific

 

 

 

Balance

 

 

Balance

 

 

Allowance

 

 

 

(In Thousands)

 

One- to four-family residential construction

$

-

 

$

-

 

$

-

 

Subdivision construction

 

261

 

 

261

 

 

100

 

Land development

 

3,556

 

 

3,588

 

 

-

 

Commercial construction

 

-

 

 

-

 

 

-

 

Owner occupied one- to four-family residential

 

2,157

 

 

2,434

 

 

114

 

Non-owner occupied one- to four-family residential

 

764

 

 

944

 

 

22

 

Commercial real estate

 

7,809

 

 

7,834

 

 

555

 

Other residential

 

-

 

 

-

 

 

-

 

Commercial business

 

1,451

 

 

1,918

 

 

470

 

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

Consumer auto

 

1,040

 

 

1,230

 

 

133

 

Consumer other

 

417

 

 

651

 

 

20

 

Home equity lines of credit

 

364

 

 

380

 

 

3

 

 

 

 

 

 

 

 

 

 

 

Total

$

17,819

 

$

19,240

 

$

1,417

 

 


 

20



 

 

 

Three Months Ended

June 30, 2019

 

Six Months Ended

June 30, 2019

 

 

Average

 

 

 

 

 

Average

 

 

 

 

 

Investment

 

 

Interest

 

 

Investment

 

 

Interest

 

 

in Impaired

 

 

Income

 

 

in Impaired

 

 

Income

 

 

Loans

 

 

Recognized

 

 

Loans

 

 

Recognized

 

(In Thousands)

 

 

 

 

One- to four-family residential construction

$

-

 

$

-

 

$

-

 

$

-

Subdivision construction

 

280

 

 

3

 

 

293

 

 

5

Land development

 

1,189

 

 

99

 

 

601

 

 

99

Commercial construction

 

-

 

 

-

 

 

-

 

 

-

Owner occupied one- to four-family residential

 

2,839

 

 

20

 

 

3,097

 

 

57

Non-owner occupied one- to four-family residential

 

815

 

 

6

 

 

1,296

 

 

18

Commercial real estate

 

6,349

 

 

86

 

 

5,612

 

 

136

Other residential

 

-

 

 

-

 

 

-

 

 

-

Commercial business

 

1,626

 

 

26

 

 

1,700

 

 

58

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

 

-

Consumer auto

 

1,088

 

 

18

 

 

1,240

 

 

43

Consumer other

 

401

 

 

11

 

 

432

 

 

22

Home equity lines of credit

 

 290

 

 

 10

 

 

 254

 

 

 17

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

14,877

 

$

279

 

$

14,525

 

$

455

 

 

At June 30, 2020, $4.2 million of impaired loans had specific valuation allowances totaling $711,000.  At December 31, 2019, $5.2 million of impaired loans had specific valuation allowances totaling $929,000.  

 

Included in certain loan categories in the impaired loans are troubled debt restructurings that were classified as impaired. Troubled debt restructurings are loans that are modified by granting concessions to borrowers experiencing financial difficulties.  These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection.  The types of concessions made are factored into the estimation of the allowance for loan losses for troubled debt restructurings primarily using a discounted cash flow or collateral adequacy approach.

 

The following tables present newly restructured loans, which were considered troubled debt restructurings, during the three and six months ended June 30, 2020 and, respectively, by type of modification:

 

 

 

Three Months Ended June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

Interest Only

 

 

      Term      

 

 

Combination

 

 

Modification

 

 

(In Thousands)

Consumer

 

-

 

 

16

 

 

28

 

 

44

$

-

 

$

16

 

$

28

 

$

44

 

 

 

Three Months Ended June 30, 2019

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

Interest Only

 

 

      Term      

 

 

Combination

 

 

Modification

 

 

(In Thousands)

Consumer                                 

$

-

 

$

52

 

$

-

 

$

52

 


 

21



 

 

 

 

Six Months Ended June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

Interest Only

 

 

      Term      

 

 

Combination

 

 

Modification

 

 

(In Thousands)

One- to four-family residential

$

-

 

$

-

 

$

130

 

$

130

Consumer

 

-

 

 

16

 

 

76

 

 

92

$

-

 

$

16

 

$

206

 

$

222

 

 

 

Six Months Ended June 30, 2019

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

Interest Only

 

 

      Term      

 

 

Combination

 

 

Modification

 

 

(In Thousands)

Consumer                                 

$

-

 

$

79

 

$

-

 

$

79

 

 

At June 30, 2020, the Company had $861,000 of loans that were modified in troubled debt restructurings and impaired, as follows:  $24,000 of construction and land development loans, $404,000 of one- to four-family residential mortgage loans, $97,000 of commercial real estate loans, $128,000 of commercial business loans and $208,000 of consumer loans.  Of the total troubled debt restructurings at June 30, 2020, $216,000 were accruing interest and $645,000 were non-accrual assets.  Of the $861,000 in troubled debt restructurings, $670,000 were classified as substandard using the Company’s internal grading system, which is described below.  The Company had no troubled debt restructurings which were modified in the previous 12 months and subsequently defaulted during the six months ended June 30, 2020.  When loans modified as troubled debt restructurings have subsequent payment defaults, the defaults are factored into the determination of the allowance for loan losses to ensure specific valuation allowances reflect amounts considered uncollectible.  At December 31, 2019, the Company had $1.9 million of loans that were modified in troubled debt restructurings and impaired, as follows:  $251,000 of construction and land development loans, $768,000 of single family residential mortgage loans, $412,000 of commercial real estate loans, $156,000 of commercial business loans and $343,000 of consumer loans.  Of the total troubled debt restructurings at December 31, 2019, $1.4 million were accruing interest and $562,000 were non-accrual assets and classified as substandard using the Company’s internal grading system.  The Company had no troubled debt restructurings which were modified in the previous 12 months and subsequently defaulted during the year ended December 31, 2019.  

 

During the three and six months ended June 30, 2020, there were no loans designated as troubled debt restructurings that met the criteria for placement back on accrual status.  The criteria are generally a minimum of six months of consistent and timely payment performance under original or modified terms.  During the three and six months ended June 30, 2019, $14,000 and $63,000 of loans, respectively, all of which consisted of consumer loans, designated as troubled debt restructurings met the criteria for placement back on accrual status.

 

As of June 30, 2020, we had modified 2,133 loans with a total principal balance outstanding of $1.0 billion, in response to the COVID-19 pandemic. These loan modifications were made as provided for under Section 4013 of the CARES Act and within the guidance provided by the federal banking regulatory agencies, the SEC and the FASB; therefore, they are not considered troubled debt restructurings.

 

The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” “Special Mention,” “Substandard” and “Doubtful.”  Loans classified as watch are being monitored because of indications of potential weaknesses or deficiencies that may require future classification as special mention or substandard.  Special mention loans possess potential weaknesses that deserve management’s close attention but do not expose the Bank to a degree of risk that warrants substandard classification.  Substandard loans are characterized by the distinct possibility that the Bank will sustain some loss if certain deficiencies are not corrected.  Doubtful loans are those having all the weaknesses inherent to those classified Substandard with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing


 

22



facts, conditions and values, highly questionable and improbable.  Loans not meeting any of the criteria previously described are considered satisfactory.  The FDIC-assisted acquired loans are evaluated using this internal grading system. These loans are accounted for in pools.  Minimal adverse classification in these acquired loan pools was identified as of June 30, 2020 and December 31, 2019, respectively.  See Note 7 for further discussion of the acquired loan pools and the termination of the loss sharing agreements.

 

The Company evaluates the loan risk internal grading system definitions and allowance for loan loss methodology on an ongoing basis.  The general component of the allowance for loan losses is affected by several factors, including, but not limited to, average historical losses, average life of the loans, current composition of the loan portfolio, current and expected economic conditions, collateral values and internal risk ratings.  Management considers all these factors in determining the adequacy of the Company’s allowance for loan losses.  In early 2018, we expanded our loan risk rating system to allow for further segregation of satisfactory credits.  No significant changes were made to the allowance for loan loss methodology during the year ended December 31, 2019 or the six months ended June 30, 2020.  However, the deterioration of economic conditions that occurred in the six months ended June 30, 2020 and was expected to continue thereafter was a significant factor in the determination of the allowance for loan losses.

 

The loan grading system is presented by loan class below:

 

 

 

 

June 30, 2020

 

 

 

 

 

 

 

 

Special

 

 

 

 

 

 

 

 

 

 

 

Satisfactory

 

 

Watch

 

 

Mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

 

(In Thousands)

One- to four-family residential

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

construction

$

33,400

 

$

976

 

$

-

 

$

-

 

$

-

 

$

34,376

Subdivision construction

 

13,613

 

 

-

 

 

-

 

 

24

 

 

-

 

 

13,637

Land development

 

38,646

 

 

-

 

 

-

 

 

-

 

 

-

 

 

38,646

Commercial construction

 

1,211,294

 

 

-

 

 

-

 

 

-

 

 

-

 

 

1,211,294

Owner occupied one- to four-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

family residential

 

460,804

 

 

-

 

 

-

 

 

2,689

 

 

-

 

 

463,493

Non-owner occupied one- to

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

four-family residential

 

118,074

 

 

545

 

 

-

 

 

278

 

 

-

 

 

118,897

Commercial real estate

 

1,467,520

 

 

61,080

 

 

-

 

 

3,674

 

 

-

 

 

1,532,274

Other residential

 

1,024,591

 

 

-

 

 

-

 

 

-

 

 

-

 

 

1,024,591

Commercial business

 

429,065

 

 

11,063

 

 

-

 

 

1,182

 

 

-

 

 

441,310

Industrial revenue bonds

 

14,222

 

 

-

 

 

-

 

 

-

 

 

-

 

 

14,222

Consumer auto

 

113,229

 

 

25

 

 

-

 

 

673

 

 

-

 

 

113,927

Consumer other

 

42,548

 

 

88

 

 

-

 

 

246

 

 

-

 

 

42,882

Home equity lines of credit

 

115,735

 

 

41

 

 

-

 

 

517

 

 

-

 

 

116,293

Loans acquired and accounted

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

for under ASC 310-30,  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

net of discounts

 

110,652

 

 

-

 

 

-

 

 

12

 

 

-

 

 

110,664

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

5,193,393

 

$

73,818

 

$

-

 

$

9,295

 

$

-

 

$

5,276,506

 

 

 

 

 

 

 

 

 

 


 

23



 

 

 

 

 

December 31, 2019

 

 

 

 

 

 

 

 

Special

 

 

 

 

 

 

 

 

 

 

 

Satisfactory

 

 

Watch

 

 

Mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

 

(In Thousands)

One- to four-family residential

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

construction

$

33,963

 

$

-

 

$

-

 

$

-

 

$

-

 

$

33,963

Subdivision construction

 

16,061

 

 

27

 

 

-

 

 

-

 

 

-

 

 

16,088

Land development

 

40,431

 

 

-

 

 

-

 

 

-

 

 

-

 

 

40,431

Commercial construction

 

1,322,861

 

 

-

 

 

-

 

 

-

 

 

-

 

 

1,322,861

Owner occupied one- to-four-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

family residential

 

385,001

 

 

26

 

 

-

 

 

1,989

 

 

-

 

 

387,016

Non-owner occupied one- to-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

four-family residential

 

119,743

 

 

419

 

 

-

 

 

181

 

 

-

 

 

120,343

Commercial real estate

 

1,458,400

 

 

32,063

 

 

-

 

 

3,709

 

 

-

 

 

1,494,172

Other residential

 

866,006

 

 

-

 

 

-

 

 

-

 

 

-

 

 

866,006

Commercial business

 

307,322

 

 

4,651

 

 

-

 

 

1,236

 

 

-

 

 

313,209

Industrial revenue bonds

 

13,189

 

 

-

 

 

-

 

 

-

 

 

-

 

 

13,189

Consumer auto

 

150,874

 

 

47

 

 

-

 

 

933

 

 

-

 

 

151,854

Consumer other

 

46,294

 

 

92

 

 

-

 

 

334

 

 

-

 

 

46,720

Home equity lines of credit

 

118,428

 

 

43

 

 

-

 

 

517

 

 

-

 

 

118,988

Loans acquired and accounted

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

for under ASC 310-30,  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

net of discounts

 

127,192

 

 

-

 

 

-

 

 

14

 

 

-

 

 

127,206

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

5,005,765

 

$

37,368

 

$

-

 

$

8,913

 

$

-

 

$

5,052,046

 

 

 

 

NOTE 7: FDIC-ASSISTED ACQUIRED LOANS

 

On March 20, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the Federal Deposit Insurance Corporation (FDIC) to assume all of the deposits (excluding brokered deposits) and acquire certain assets of TeamBank, N.A., a full service commercial bank headquartered in Paola, Kansas.  The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.

 

On September 4, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Vantus Bank, a full service thrift headquartered in Sioux City, Iowa. The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.

 

On October 7, 2011, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Sun Security Bank, a full service bank headquartered in Ellington, Missouri. The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.

 

On April 27, 2012, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Inter Savings Bank, FSB (“InterBank”), a full service bank headquartered in Maple Grove, Minnesota. The related loss sharing agreement was terminated early, effective June 9, 2017, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.


 

24



 

On June 20, 2014, Great Southern Bank entered into a purchase and assumption agreement with the FDIC to purchase a substantial portion of the loans and investment securities, as well as certain other assets, and assume all of the deposits, as well as certain other liabilities, of Valley Bank, a full-service bank headquartered in Moline, Illinois, with significant operations in Iowa.  This transaction did not include a loss sharing agreement.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.

 

The following table presents the balances of the acquired loans related to the various FDIC-assisted transactions at June 30, 2020 and December 31, 2019.

 

 

 

 

 

 

 

 

 

Sun Security

 

 

 

 

 

 

 

 

 

TeamBank

 

 

Vantus Bank

 

 

Bank

 

 

InterBank

 

 

Valley Bank

 

 

 

(In Thousands)

 

 

 

 

 

 

June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Gross loans receivable

$

6,380 

 

$

8,953 

 

$

15,298 

 

$

52,327 

 

$

33,565 

 

Balance of accretable discount
due to change in expected losses

 

(120)

 

 

(53)

 

 

(251)

 

 

(2,665)

 

 

(1,076)

 

Net carrying value to loans receivable

 

(6,231)

 

 

(8,887)

 

 

(14,919)

 

 

(48,851)

 

 

(31,773)

 

Expected loss remaining

$

29 

 

$

13 

 

$

128 

 

$

811 

 

$

716 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Gross loans receivable

$

7,304 

 

$

9,899 

 

$

17,906 

 

$

60,430 

 

$

41,032 

 

Balance of accretable discount
due to change in expected losses

 

(159)

 

 

(89)

 

 

(374)

 

 

(5,143)

 

 

(1,803)

 

Net carrying value to loans receivable

 

(7,118)

 

 

(9,797)

 

 

(17,392)

 

 

(54,442)

 

 

(38,452)

 

Expected loss remaining

$

27 

 

$

13 

 

$

140 

 

$

845 

 

$

777 

 

 

 

Fair Value and Expected Cash Flows.  At the time of these acquisitions, the Company determined the fair value of the loan portfolios based on several assumptions. Factors considered in the valuations were projected cash flows for the loans, type of loan and related collateral, classification status, fixed or variable interest rate, term of loan, current discount rates and whether or not the loan was amortizing. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. Management also estimated the amount of credit losses that were expected to be realized for the loan portfolios. The discounted cash flow approach was used to value each pool of loans. For non-performing loans, fair value was estimated by calculating the present value of the recoverable cash flows using a discount rate based on comparable corporate bond rates.

 

The amount of the estimated cash flows expected to be received from the acquired loan pools in excess of the fair values recorded for the loan pools is referred to as the accretable yield.  The accretable yield is recognized as interest income over the estimated lives of the loans.  The Company continues to evaluate the fair value of the loans including cash flows expected to be collected.  Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses.  During the three months ended June 30, 2020 and 2019, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $0 and $3.7 million, respectively, to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis.  During the six months ended June 30, 2020 and 2019, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $0 and $5.3 million, respectively, to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis.  

 

Because the balance of these adjustments to accretable yield will be recognized generally over the remaining lives of the loan pools, they will impact future periods as well.  As of June 30, 2020, the remaining accretable yield adjustment that will affect interest income is $4.2 million.  Of the remaining adjustments affecting interest income, we expect to recognize $2.2 million of interest income during the remainder of 2020.  


 

25



 

The impact to income of adjustments on the Company’s financial results is shown below:

 

 

 

Three Months Ended

 

 

Three Months Ended

 

 

June 30, 2020

 

 

June 30, 2019

 

 

(In Thousands, Except Per Share Data and Basis Points Data)

 

 

 

 

 

 

 

 

 

 

Impact on net interest income/

 

 

 

 

 

 

 

 

 

net interest margin (in basis points)

$

1,537

12 bps

 

$

1,399

12 bps

Net impact to pre-tax income

$

1,537

 

 

 

$

1,399

 

 

Net impact net of taxes

$

1,187

 

 

 

$

1,080

 

 

Impact to diluted earnings per share

$

0.08

 

 

 

$

0.08

 

 

 

 

 

Six Months Ended

 

 

Six Months Ended

 

 

June 30, 2020

 

 

June 30, 2019

 

 

(In Thousands, Except Per Share Data and Basis Points Data)

 

 

 

 

 

 

 

 

 

 

Impact on net interest income/

 

 

 

 

 

 

 

 

 

net interest margin (in basis points)

$

3,403

14 bps

 

$

2,911

13 bps

Net impact to pre-tax income

$

3,403

 

 

 

$

2,911

 

 

Net impact net of taxes

$

2,627

 

 

 

$

2,247

 

 

Impact to diluted earnings per share

$

0.19

 

 

 

$

0.16

 

 

 

 

Changes in the accretable yield for acquired loan pools were as follows for the three and six months ended June 30, 2020 and 2019:

 

 

 

 

 

 

 

 

 

Sun Security

 

 

 

 

 

 

 

 

 

TeamBank

 

 

Vantus Bank

 

 

Bank

 

 

InterBank

 

 

Valley Bank

 

 

 

(In Thousands)

 

 

 

 

 

 

Balance, April 1, 2020

$

1,078 

 

$

1,086 

 

$

2,280 

 

$

6,357 

 

$

4,612 

 

Accretion

 

(114)

 

 

(189)

 

 

(266)

 

 

(1,857)

 

 

(833)

 

Change in expected accretable yield(1)

 

(46)

 

 

57 

 

 

(121)

 

 

752 

 

 

344 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, June 30, 2020

$

918 

 

$

954 

 

$

1,893 

 

$

5,252 

 

$

4,123 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, April 1, 2019

$

1,399 

 

$

1,302 

 

$

2,444 

 

$

7,948 

 

$

4,329 

 

Accretion

 

(180)

 

 

(261)

 

 

(340)

 

 

(1,951)

 

 

(1,132)

 

Change in expected accretable yield(1)

 

131 

 

 

186 

 

 

(245)

 

 

2,468 

 

 

2,347 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, June 30, 2019

$

1,350 

 

$

1,227 

 

$

1,859 

 

$

8,465 

 

$

5,544 

 

 

(1)

Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses.  The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the three months ended June 30, 2020, totaling $(46,000), $57,000, $(121,000), $752,000 and $344,000, respectively, and for the three months ended June 30, 2019, totaling $68,000, $186,000, $(336,000), $468,000 and $839,000, respectively.  

 


 

26



 

 

 

 

 

 

 

 

 

 

Sun Security

 

 

 

 

 

 

 

 

 

TeamBank

 

 

Vantus Bank

 

 

Bank

 

 

InterBank

 

 

Valley Bank

 

 

 

(In Thousands)

 

 

 

 

 

 

Balance, January 1, 2020

$

1,157 

 

$

1,123 

 

$

1,948 

 

$

8,277 

 

$

4,578 

 

Accretion

 

(239)

 

 

(420)

 

 

(592)

 

 

(3,963)

 

 

(1,740)

 

Change in expected accretable yield(1)

 

- 

 

 

251 

 

 

537 

 

 

938 

 

 

1,285 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, June 30, 2020

$

918 

 

$

954 

 

$

1,893 

 

$

5,252 

 

$

4,123 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, January 1, 2019

$

1,356 

 

$

1,432 

 

$

2,242 

 

$

4,994 

 

$

3,063 

 

Accretion

 

(615)

 

 

(478)

 

 

(781)

 

 

(3,979)

 

 

(1,985)

 

Change in expected accretable yield(1)

 

609 

 

 

273 

 

 

398 

 

 

7,450 

 

 

4,466 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, June 30, 2019

$

1,350 

 

$

1,227 

 

$

1,859 

 

$

8,465 

 

$

5,544 

 

 

(1)

Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses.  The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the six months ended June 30, 2020, totaling $0, $251,000, $537,000, $938,000 and $1.3 million, respectively, and for the six months ended June 30, 2019, totaling $546,000, $273,000, $247,000, $4.6 million and $2.2 million, respectively.  

 

 

 

NOTE 8: OTHER REAL ESTATE OWNED AND REPOSSESSIONS

 

Major classifications of other real estate owned were as follows:

 

 

 

June 30,

 

 

December 31,

 

 

2020

 

 

2019

 

 

(In Thousands)

 

 

 

Foreclosed assets held for sale and repossessions

 

 

 

 

 

  One- to four-family construction

$

-

 

$

-

  Subdivision construction

 

350

 

 

689

  Land development

 

1,358

 

 

1,816

  Commercial construction

 

-

 

 

-

  One- to four-family residential

 

291

 

 

601

  Other residential

 

-

 

 

-

  Commercial real estate

 

-

 

 

-

  Commercial business

 

-

 

 

-

  Consumer

 

340

 

 

545

 

 

2,339

 

 

3,651

  Foreclosed assets acquired through FDIC-assisted

 

 

 

 

 

     transactions, net of discounts

 

1,236

 

 

1,003

 

 

 

 

 

 

Foreclosed assets held for sale and repossessions, net

 

3,575

 

 

4,654

 

 

 

 

 

 

  Other real estate owned not acquired through foreclosure

 

860

 

 

871

 

 

 

 

 

 

Other real estate owned and repossessions

$

4,435

 

$

5,525

 

 

At both June 30, 2020 and December 31, 2019, other real estate owned not acquired through foreclosure included six properties, all of which were branch locations that were closed and are held for sale.  


 

27



 

At June 30, 2020, residential mortgage loans totaling $751,000 were in the process of foreclosure, $650,000 of which were acquired loans.  This does not include one loan totaling $57,000 that is in the process of foreclosure that is owned by Fannie Mae and serviced by the Bank. Pursuant to Section 4022 of the recently-enacted CARES Act, the Company has suspended all foreclosure proceedings. Under this provision, no mortgage servicer of any federally-backed mortgage loan is permitted to initiate any foreclosure process, whether judicial or non-judicial, move for a foreclosure judgment or order of sale, or execute a foreclosure- related eviction or foreclosure sale for a 60-day period, beginning March 18, 2020. This provision was subsequently extended through August 31, 2020.

 

At December 31, 2019, residential mortgage loans totaling $1.6 million were in the process of foreclosure, $1.4 million of which were acquired loans.

Expenses applicable to other real estate owned and repossessions included the following:

 

 

 

Three Months Ended

 

 

 

June 30,

 

 

 

2020

 

 

2019

 

 

 

(In Thousands)

 

 

 

Net gains on sales of other real estate owned and repossessions

$

(5)

 

$

(244)

 

Valuation write-downs

 

50 

 

 

197 

 

Operating expenses, net of rental income

 

223 

 

 

466 

 

 

 

 

 

 

 

 

$

268 

 

$

419 

 

 

 

 

Six Months Ended

 

 

 

June 30,

 

 

 

2020

 

 

2019

 

 

 

(In Thousands)

 

 

 

Net gains on sales of other real estate owned and repossessions

$

(101)

 

$

(410)

 

Valuation write-downs

 

213 

 

 

444 

 

Operating expenses, net of rental income

 

635 

 

 

1,005 

 

 

 

 

 

 

 

 

$

747 

 

$

1,039 

 

 

 

 

NOTE 9: PREMISES AND EQUIPMENT

 

Major classifications of premises and equipment, stated at cost, were as follows:

 

 

 

June 30,

 

 

December 31,

 

 

2020

 

 

2019

(In Thousands)

 

Land

$

40,767

 

$

40,632

Buildings and improvements

 

 98,406

 

 

96,959

Furniture, fixtures and equipment

 

 58,143

 

 

56,986

Operating leases right of use asset

 

8,979

 

 

8,668

 

 

 206,295

 

 

203,245

Less accumulated depreciation

 

65,737

 

 

61,337

 

 

 

 

 

 

$

140,558

 

$

141,908

 

 

Leases.  The Company adopted ASU 2016-02, Leases (Topic 842), on January 1, 2019, using the modified retrospective transition approach whereby comparative periods were not restated.  The Company also elected certain relief options under the


 

28



ASU, including the option not to recognize right of use asset and lease liabilities that arise from short-term leases (leases with terms of twelve months or less).   Adoption of this ASU resulted in the Company initially recognizing a right of use asset and corresponding lease liability of $9.5 million during the three months ended March 31, 2019.  The amount of the right of use asset and corresponding lease liability will fluctuate based on the Company’s lease terminations, new leases and lease modifications and renewals. As of June 30, 2020, the lease right to use asset value was $9.0 million and the corresponding lease liability was $9.1 million.

 

All of our leases are classified as operating leases (as they were prior to January 1, 2019), and therefore were previously not recognized on the Company’s consolidated statements of financial condition.  With the adoption of ASU 2016-02, these operating leases are now included as a right of use asset in the premises and equipment line item on the Company’s consolidated statements of financial condition.  The corresponding lease liability is included in the accrued expenses and other liabilities line item on the Company’s consolidated statements of financial condition.  Because these leases are classified as operating leases, the adoption of the new standard did not have a material effect on lease expense on the Company’s consolidated statements of income.

 

ASU 2016-02 provides a number of optional practical expedients in transition. The Company has elected the “package of practical expedients,” which permits the Company not to reassess under the new standard the prior conclusions about lease identification, lease classification and initial direct costs. The Company also elected the use of the hindsight, a practical expedient which permits the use of information available after lease inception to determine the lease term via the knowledge of renewal options exercised not available as of the lease’s inception.  The practical expedient pertaining to land easements is not applicable to the Company.  

 

ASU 2016-02 also requires certain other accounting elections.  The Company elected the short-term lease recognition exemption for all leases that qualify, meaning those with terms under twelve months.  Right of use assets or lease liabilities are not to be recognized for short-term leases. The Company also elected the practical expedient to not separate lease and non-lease components for all leases.   The Company’s short-term leases related to offsite ATMs have both fixed and variable lease payment components, based on the number of transactions at the various ATMs.  The variable portion of these lease payments is not material and the total lease expense related to ATMs for the three months ended June 30, 2020 and 2019 was $65,000 and $76,000, respectively. The total lease expense related to ATMs for the six months ended June 30, 2020 and 2019, was $126,000 and $149,000, respectively.

 

The calculated amounts of the right of use assets and lease liabilities in the table below are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew the extended term in the calculation of the right of use asset and lease liability. Regarding the discount rate, the ASU requires the use of the rate implicit in the lease at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the right of use asset and lease liability.  Regarding the discount rate, the ASU requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception over a similar term. The discount rate utilized was the FHLBank borrowing rate for the term corresponding to the expected term of the lease.  The remaining expected lease terms range from 2.8 years to 18.4 years with a weighted-average lease term of 9.5 years.  The weighted-average discount rate was 3.24%.


 

29



 

 

 

 

 

At or For the Three Months Ended

 

 

June 30, 2020

 

 

June 30, 2019

 

 

(In Thousands)

Statement of Financial Condition

 

 

 

 

 

Operating leases right of use asset

$

8,979

$

9,106

Operating leases liability

$

9,073

$

9,153

 

 

 

 

 

 

Statement of Income

 

 

 

 

 

Operating lease costs classified as occupancy and equipment expense

$

400

$

371

 (includes short-term lease costs and amortization of right of use asset)

 

 

 

 

 

 

 

 

 

 

 

Supplemental Cash Flow Information

 

 

 

 

 

Cash paid for amounts included in the measurement of lease liabilities:

 

 

 

 

 

 Operating cash flows from operating leases

$

387

$

351

 

 

 

 

 

 

 

 

 

At or For the Six Months Ended

 

 

June 30, 2020

 

 

June 30, 2019

 

 

(In Thousands)

Statement of Financial Condition

 

 

 

 

 

Operating leases right of use asset

$

8,979

$

9,106

Operating leases liability

$

9,073

$

9,153

 

 

 

 

 

 

Statement of Income

 

 

 

 

 

Operating lease costs classified as occupancy and equipment expense

$

785

$

747

 (includes short-term lease costs and amortization of right of use asset)

 

 

 

 

 

 

 

 

 

 

 

Supplemental Cash Flow Information

 

 

 

 

 

Cash paid for amounts included in the measurement of lease liabilities:

 

 

 

 

 

 Operating cash flows from operating leases

$

758

$

701

Right of use assets obtained in exchange for lease obligations:

 

 

 

 

 

 Operating leases

 

972

$

9,538

 

 

 

 

 

 

 

 

For the three months ended June 30, 2020 and 2019, lease expense was $400,000 and $371,000, respectively. For the six months ended June 30, 2020 and 2019, lease expense was $785,000 and $747,000, respectively. At June 30, 2020, future expected lease payments for leases with terms exceeding one year were as follows (In Thousands):

 

2020

$

 549

 

2021

 

  1,118

 

2022

 

  1,116

 

2023

 

  1,088

 

2024

 

  1,005

 

2025

 

  979

 

Thereafter

 

  4,926

 

 

 

 

 

Future lease payments expected

 

  10,781

 

 

 

 

 

Less interest portion of lease payments

 

  (1,708

)

 

 

 

 

Lease liability

$

 9,073

 

 

The Company does not sublease any of its leased facilities; however, it does lease to other third parties portions of facilities that it owns.  In terms of being the lessor in these circumstances, all of these lease agreements are classified as operating leases.  In the three months ended June 30, 2020 and 2019, income recognized from these lessor agreements was $271,000 and $285,000, respectively, and was included in occupancy and equipment expense. In the six months ended June 30, 2020 and


 

30



2019, income recognized from these lessor agreements was $570,000 and $561,000, respectively, and was included in occupancy and equipment expense.

 

NOTE 10: DEPOSITS

 

 

 

June 30,

 

 

December 31,

 

 

2020

 

 

2019

 

 

(In Thousands)

 

Time Deposits:

 

 

 

 

 

0.00% - 0.99%

$

478,525

 

$

122,649

1.00% - 1.99%

 

894,301

 

 

523,816

2.00% - 2.99%

 

315,071

 

 

1,053,914

3.00% - 3.99%

 

18,822

 

 

19,849

4.00% - 4.99%

 

421

 

 

881

Total time deposits (weighted average rate 1.44% and 2.09%)

 

1,707,140

 

 

1,721,109

Non-interest-bearing demand deposits

 

879,245

 

 

687,068

Interest-bearing demand and savings deposits

(Weighted average rate 0.34% and 0.55%)

 

1,925,773

 

 

1,551,929

Total Deposits

$

4,512,158

 

$

3,960,106

 

 

 

NOTE 11: ADVANCES FROM FEDERAL HOME LOAN BANK

 

At June 30, 2020 and December 31, 2019, there were no outstanding term advances from the Federal Home Loan Bank of Des Moines (FHLBank advances).  There were overnight funds from the Federal Home Loan Bank of Des Moines as of December 31, 2019, which are included below in Note 12.

 

 

 

NOTE 12: SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS

 

 

 

June 30,

2020

 

 

December 31,

2019

 

 

(In Thousands)

 

Notes payable – Community Development Equity Funds

$

1,279

 

$

1,267

Other interest-bearing liabilities

 

-

 

 

30,890

Overnight borrowings from the Federal Home Loan Bank

 

-

 

 

196,000

Securities sold under reverse repurchase agreements

 

191,624

 

 

84,167

 

 

 

 

 

 

$

192,903

 

$

312,324

 

The Bank enters into sales of securities under agreements to repurchase (reverse repurchase agreements).  Reverse repurchase agreements are treated as financings, and the obligations to repurchase securities sold are reflected as a liability in the statements of financial condition.  The dollar amount of securities underlying the agreements remains in the asset accounts.  Securities underlying the agreements are being held by the Bank during the agreement period.  All agreements are written on a term of one month or less.

 

At December 31, 2019, other interest-bearing liabilities consisted of cash collateral held by the Company to satisfy minimum collateral posting thresholds with its derivative dealer counterparties representing the termination value of derivatives, which at such time were in a net asset position.  Under the collateral agreements between the parties, either party may choose to provide cash or securities to satisfy its collateral requirements. Effective March 2, 2020, the Company and its swap counterparty mutually agreed to terminate the Company’s interest rate swap eliminating the cash collateral held.  For additional information, see “Cash Flow Hedges” in Note 16.


 

31



 

The following table represents the Company’s securities sold under reverse repurchase agreements, by collateral type and remaining contractual maturity.

 

 

 

June 30, 2020

 

 

December 31, 2019

 

 

Overnight and

 

 

Overnight and

 

 

Continuous

 

 

Continuous

 

(In Thousands)

 

Mortgage-backed securities – GNMA, FNMA, FHLMC

$

191,624

 

$

84,167

 

 

 

 

 

 

 

 

NOTE 13: SUBORDINATED NOTES

 

On August 8, 2016, the Company completed the public offering and sale of $75.0 million of its subordinated notes. The notes are due August 15, 2026, and have a fixed interest rate of 5.25% until August 15, 2021, at which time the rate becomes floating at a rate equal to three-month LIBOR plus 4.087%.  The Company may call the notes at par beginning on August 15, 2021, and on any scheduled interest payment date thereafter.  The notes were sold at par, resulting in net proceeds, after underwriting discounts and commissions, legal, accounting and other professional fees, of approximately $73.5 million.  Total debt issuance costs of approximately $1.5 million were deferred and are being amortized over the expected life of the notes, which is five years.  

 

On June 10, 2020, the Company completed the public offering and sale of $75.0 million of its subordinated notes.  The notes are due June 15, 2030, and have a fixed interest rate of 5.50% until June 15, 2025, at which time the rate becomes floating at a rate expected to be equal to three-month term Secured Overnight Financing Rate (SOFR) plus 5.325%.  The Company may call the notes at par beginning on June 15, 2025, and on any scheduled interest payment date thereafter.  The notes were sold at par, resulting in net proceeds, after underwriting discounts and commissions, legal, accounting and other professional fees, of approximately $73.5 million.  Total debt issuance costs of approximately $1.5 million were deferred and are being amortized over the expected life of the notes, which is five years.  

 

Amortization of the debt issuance costs during the three and six months ended June 30, 2020, totaled $134,000 and $242,000, respectively. Amortization of the debt issuance costs during the three and six months ended June 30, 2019, totaled $108,000 and $217,000, respectively. Amortization of the debt issuance costs is included in interest expense on subordinated notes in the consolidated statements of income, resulting in an imputed interest rate of 5.99%.

 

At June 30, 2020 and December 31, 2019, subordinated notes are summarized as follows:

 

 

 

June 30, 2020

 

 

December 31, 2019

 

 

(In Thousands)

 

Subordinated notes

$

150,000

 

$

75,000

Less: unamortized debt issuance costs

 

1,968

 

 

724

$

148,032

 

$

74,276

 

 


 

32



NOTE 14: INCOME TAXES

 

Reconciliations of the Company’s effective tax rates to the statutory corporate tax rates were as follows:

 

 

Three Months Ended June 30,

 

 

2020

 

 

2019

 

 

 

Tax at statutory rate

 21.0%

 

 

21.0%

 

Nontaxable interest and dividends

(0.5)

 

 

(0.5)

 

Tax credits

(4.3)

 

 

(4.2)

 

State taxes

1.5 

 

 

1.2 

 

Other

1.6 

 

 

(0.7)

 

19.3%

 

 

16.8%

 

 

 

Six Months Ended June 30,

 

 

2020

 

 

2019

 

 

 

Tax at statutory rate

 21.0%

 

 

21.0%

 

Nontaxable interest and dividends

(0.5)

 

 

(0.5)

 

Tax credits

(3.9)

 

 

(4.4)

 

State taxes

(0.2)

 

 

1.3 

 

Other

1.0 

 

 

0.3 

 

17.4%

 

 

17.7%

 

 

 

The Company and its consolidated subsidiaries have not been audited recently by the Internal Revenue Service (IRS), except as described here.  The Company, through one of its subsidiaries, is a partner in two partnerships which were under IRS examination for 2006 and 2007.  As a result, the Company’s 2006 and subsequent tax years remained open for examination. The examinations of these partnerships were completed during 2019.  The completion of these examinations did not result in significant changes to the Company’s tax positions.  As a result, federal tax years through December 31, 2015 are now closed.

 

The Company is currently under State of Missouri income and franchise tax examinations for its 2014 and 2015 tax years.  The Company does not currently expect significant adjustments to its financial statements from this state examination.

 

 

NOTE 15: DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS

 

ASC Topic 820, Fair Value Measurements, defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.  Topic 820 also specifies a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.  The standard describes three levels of inputs that may be used to measure fair value:

 

·Quoted prices in active markets for identical assets or liabilities (Level 1): Inputs that are quoted unadjusted prices in active markets for identical assets that the Company has the ability to access at the measurement date. An active market for the asset is a market in which transactions for the asset or liability occur with sufficient frequency and volume to provide pricing information on an ongoing basis. 

 

·Other observable inputs (Level 2): Inputs that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from sources independent of the reporting entity including quoted prices for similar assets, quoted prices for securities in inactive markets and inputs derived principally from or corroborated by observable market data by correlation or other means. 

 

·Significant unobservable inputs (Level 3): Inputs that reflect assumptions of a source independent of the reporting entity or the reporting entity's own assumptions that are supported by little or no market activity or observable inputs. 

 


 

33



Financial instruments are broken down by recurring or nonrecurring measurement status. Recurring assets are initially measured at fair value and are required to be remeasured at fair value in the financial statements at each reporting date. Assets measured on a nonrecurring basis are assets that, due to an event or circumstance, were required to be remeasured at fair value after initial recognition in the financial statements at some time during the reporting period.

 

The Company considers transfers between the levels of the hierarchy to be recognized at the end of related reporting periods.  From December 31, 2019 to June 30, 2020, no assets for which fair value is measured on a recurring basis transferred between any levels of the hierarchy.

 

Recurring Measurements

 

The following table presents the fair value measurements of assets recognized in the accompanying statements of financial condition measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fell at June 30, 2020 and December 31, 2019:  

 

 

 

 

 

 

Fair value measurements using

 

 

 

 

 

Quoted prices

 

 

 

 

 

 

 

 

 

 

 

in active

 

 

 

 

 

 

 

 

 

 

 

markets

 

 

Other

 

 

Significant

 

 

 

 

 

for identical

 

 

observable

 

 

unobservable

 

 

 

 

 

assets

 

 

inputs

 

 

inputs

 

 

Fair value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

 

 

(In Thousands)

 

 

 

June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

Agency mortgage-backed securities

$

174,022 

 

$

-

 

$

174,022 

 

$

-

Agency collateralized mortgage obligations

 

179,833 

 

 

-

 

 

179,833 

 

 

-

States and political subdivisions

 

71,203 

 

 

-

 

 

71,203 

 

 

-

Small Business Administration securities

 

21,877 

 

 

-

 

 

21,877 

 

 

-

Interest rate derivative asset

 

6,580 

 

 

-

 

 

6,580 

 

 

-

Interest rate derivative liability

 

(7,221)

 

 

-

 

 

(7,221)

 

 

-

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

Agency mortgage-backed securities

$

165,042 

 

$

-

 

$

165,042 

 

$

-

Agency collateralized mortgage obligations

 

151,950 

 

 

-

 

 

151,950 

 

 

-

States and political subdivisions

 

35,125 

 

 

-

 

 

35,125 

 

 

-

Small Business Administration

 

22,058 

 

 

-

 

 

22,058 

 

 

-

Interest rate derivative asset

 

31,476 

 

 

-

 

 

31,476 

 

 

-

Interest rate derivative liability

 

(1,547)

 

 

-

 

 

(1,547)

 

 

-

 

The following is a description of inputs and valuation methodologies used for assets recorded at fair value on a recurring basis and recognized in the accompanying statements of financial condition at June 30, 2020 and December 31, 2019, as well as the general classification of such assets pursuant to the valuation hierarchy.  There have been no significant changes in the valuation techniques during the six-month period ended June 30, 2020. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below.  

 

Available-for-Sale Securities. Investment securities available for sale are recorded at fair value on a recurring basis. The fair values used by the Company are obtained from an independent pricing service, which represent either quoted market prices for the identical asset or fair values determined by pricing models, or other model-based valuation techniques, that consider observable market data, such as interest rate volatilities, LIBOR yield curve, credit spreads and prices from market makers and live trading systems.  Recurring Level 2 securities include U.S. government agency securities, mortgage-backed securities, state and municipal bonds and certain other investments. Inputs used for valuing Level 2 securities include observable data that may include dealer quotes, benchmark yields, market spreads, live trading levels and market consensus prepayment speeds, among other things. Additional inputs include indicative values derived from the independent pricing service’s proprietary computerized models.  There were no recurring Level 3 securities at June 30, 2020 or December 31, 2019.

 

Interest Rate Derivatives. The fair value is estimated using forward-looking interest rate curves and is determined using observable market rates and, therefore, are classified within Level 2 of the valuation hierarchy.


 

34



 

Nonrecurring Measurements

 

The following tables present the fair value measurements of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at June 30, 2020 and December 31, 2019:

 

 

 

 

 

 

Fair Value Measurements Using

 

 

 

 

 

Quoted prices

 

 

 

 

 

 

 

 

 

 

 

in active

 

 

 

 

 

 

 

 

 

 

 

markets

 

 

Other

 

 

Significant

 

 

 

 

 

for identical

 

 

observable

 

 

unobservable

 

 

 

 

 

assets

 

 

inputs

 

 

inputs

 

 

Fair value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

 

 

(In Thousands)

 

 

 

June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

Impaired loans

$

2,710

 

$

-

 

$

-

 

$

2,710

 

 

 

 

 

 

 

 

 

 

 

 

Foreclosed assets held for sale

$

97

 

$

-

 

$

-

 

$

97

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

Impaired loans

$

635

 

$

-

 

$

-

 

$

635

 

 

 

 

 

 

 

 

 

 

 

 

Foreclosed assets held for sale

$

1,112

 

$

-

 

$

-

 

$

1,112

 

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

 

Loans Held for Sale.  Mortgage loans held for sale are recorded at the lower of carrying value or fair value.  The fair value of mortgage loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics.  As such, the Company classifies mortgage loans held for sale as Nonrecurring Level 2.  Write-downs to fair value typically do not occur as the Company generally enters into commitments to sell individual mortgage loans at the time the loan is originated to reduce market risk.  The Company typically does not have commercial loans held for sale.  At June 30, 2020 and December 31, 2019, the aggregate fair value of mortgage loans held for sale exceeded their cost.  Accordingly, no mortgage loans held for sale were marked down and reported at fair value.

 

Impaired Loans.  A loan is considered to be impaired when it is probable that all of the principal and interest due may not be collected according to its contractual terms. Generally, when a loan is considered impaired, the amount of reserve required under FASB ASC 310, Receivables, is measured based on the fair value of the underlying collateral. The Company makes such measurements on all material loans deemed impaired using the fair value of the collateral for collateral dependent loans. The fair value of collateral used by the Company is determined by obtaining an observable market price or by obtaining an appraised value from an independent, licensed or certified appraiser, using observable market data. This data includes information such as selling price of similar properties and capitalization rates of similar properties sold within the market, expected future cash flows or earnings of the subject property based on current market expectations, and other relevant factors. All appraised values are adjusted for market-related trends based on the Company’s experience in sales and other appraisals of similar property types as well as estimated selling costs.  Each quarter, management reviews all collateral dependent impaired loans on a loan-by-loan basis to determine whether updated appraisals are necessary based on loan performance, collateral type and guarantor support.  At times, the Company measures the fair value of collateral dependent impaired loans using appraisals with dates more than one year prior to the date of review.  These appraisals are discounted by applying current, observable market data about similar property types such as sales contracts, estimations of value by individuals familiar with the market, other appraisals, sales or collateral assessments based on current market activity until updated appraisals are obtained.  Depending on the length of time since an appraisal was performed and the data provided through our reviews, these appraisals are typically discounted 10-40%.  The policy described above is the same for all types of collateral dependent impaired loans.

 


 

35



The Company records impaired loans as Nonrecurring Level 3. If a loan’s fair value as estimated by the Company is less than its carrying value, the Company either records a charge-off of the portion of the loan that exceeds the fair value or establishes a reserve within the allowance for loan losses specific to the loan.  Loans for which such charge-offs or reserves were recorded during the six months ended June 30, 2020 or the year ended December 31, 2019, are shown in the table above (net of reserves).

 

Foreclosed Assets Held for Sale.  Foreclosed assets held for sale are initially recorded at fair value less estimated cost to sell at the date of foreclosure.  Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell.  Foreclosed assets held for sale are classified within Level 3 of the fair value hierarchy.  The foreclosed assets represented in the table above have been re-measured during the six months ended June 30, 2020 or the year ended December 31, 2019, subsequent to their initial transfer to foreclosed assets.

 

Fair Value of Financial Instruments

 

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

 

Cash and Cash Equivalents and Federal Home Loan Bank Stock. The carrying amount approximates fair value.

 

Loans and Interest Receivable.  The fair value of loans is estimated on an exit price basis incorporating contractual cash flows, prepayments, discount spreads, credit losses and liquidity premiums.  Loans with similar characteristics were aggregated for purposes of the calculations.  The carrying amount of accrued interest receivable approximates its fair value.      

 

Deposits and Accrued Interest Payable.  The fair value of demand deposits and savings accounts is the amount payable on demand at the reporting date, i.e., their carrying amounts.  The fair value of fixed maturity certificates of deposit is estimated through a discounted cash flow calculation using the average advances yield curve from 11 districts of the FHLB for the as of date.  The carrying amount of accrued interest payable approximates its fair value.

 

Short-Term Borrowings.  The carrying amount approximates fair value.

 

Subordinated Debentures Issued to Capital Trusts.  The subordinated debentures have floating rates that reset quarterly.  The carrying amount of these debentures approximates their fair value.

 

Subordinated Notes.  The fair values used by the Company are obtained from independent sources and are derived from quoted market prices of the Company’s subordinated notes and quoted market prices of other subordinated debt instruments with similar characteristics.

 

Commitments to Originate Loans, Letters of Credit and Lines of Credit.  The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties.  For fixed rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates.  The fair value of letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date.

 


 

36



 

The following table presents estimated fair values of the Company’s financial instruments not recorded at fair value on the statements of financial condition.  The fair values of certain of these instruments were calculated by discounting expected cash flows, which method involves significant judgments by management and uncertainties.  Fair value is the estimated amount at which financial assets or liabilities could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale.  Because no market exists for certain of these financial instruments and because management does not intend to sell these financial instruments, the Company does not know whether the fair values shown below represent values at which the respective financial instruments could be sold individually or in the aggregate.

 

 

 

June 30, 2020

 

 

December 31, 2019

 

 

Carrying

 

 

Fair

 

Hierarchy

 

 

Carrying

 

 

Fair

 

Hierarchy

 

 

Amount

 

 

Value

 

Level

 

 

Amount

 

 

Value

 

Level

 

 

(In Thousands)

 

 

Financial assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and cash equivalents

$

473,645

 

$

473,645

 

1

 

$

220,155

 

$

220,155

 

1

Mortgage loans held for sale

 

20,188

 

 

20,188

 

2

 

 

9,242

 

 

9,242

 

2

Loans, net of allowance for loan losses

 

4,399,645

 

 

4,392,396

 

3

 

 

4,153,982

 

 

4,129,984

 

3

Interest receivable

 

14,759

 

 

14,759

 

3

 

 

13,530

 

 

13,530

 

3

Investment in FHLBank stock and
other interest-earning assets

 

11,276

 

 

11,276

 

3

 

 

13,473

 

 

13,473

 

3

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Financial liabilities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

4,512,158

 

 

4,524,749

 

3

 

 

3,960,106

 

 

3,963,875

 

3

Short-term borrowings

 

192,903

 

 

192,903

 

3

 

 

312,324

 

 

312,324

 

3

Subordinated debentures

 

25,774

 

 

25,774

 

3

 

 

25,774

 

 

25,774

 

3

Subordinated notes

 

148,032

 

 

149,625

 

2

 

 

74,276

 

 

76,875

 

2

Interest payable

 

3,464

 

 

3,464

 

3

 

 

4,250

 

 

4,250

 

3

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unrecognized financial instruments
 (net of contractual value)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commitments to originate loans

 

-

 

 

-

 

3

 

 

-

 

 

-

 

3

Letters of credit

 

48

 

 

48

 

3

 

 

109

 

 

109

 

3

Lines of credit

 

-

 

 

-

 

3

 

 

-

 

 

-

 

3

 

 

 

NOTE 16:  DERIVATIVES AND HEDGING ACTIVITIES

 

Risk Management Objective of Using Derivatives

 

The Company is exposed to certain risks arising from both its business operations and economic conditions.  The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities.  The Company manages economic risks, including interest rate, liquidity and credit risk, primarily by managing the amount, sources and duration of its assets and liabilities.  In the normal course of business, the Company may use derivative financial instruments (primarily interest rate swaps) from time to time to assist in its interest rate risk management.  The Company has interest rate derivatives that result from a service provided to certain qualifying loan customers that are not used to manage interest rate risk in the Company’s assets or liabilities and are not designated in a qualifying hedging relationship.  The Company manages a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions.  In addition, the Company has interest rate derivatives that are designated in a qualified hedging relationship.  

 

Nondesignated Hedges

 

The Company has interest rate swaps that are not designated as qualifying hedging relationships.  Derivatives not designated as hedges are not speculative and result from a service the Company provides to certain loan customers, which the Company began offering during 2011.  The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies.  Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such


 

37



transactions.  As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings.  

 

As part of the Valley Bank FDIC-assisted acquisition, the Company acquired seven loans with related interest rate swaps.  Valley’s swap program differed from the Company’s in that Valley did not have back to back swaps with the customer and a counterparty.  Five of the seven acquired loans with interest rate swaps have paid off.  The aggregate notional amount of the two remaining Valley swaps was $633,000 at June 30, 2020.  At June 30, 2020, excluding the Valley Bank swaps, the Company had 20 interest rate swaps totaling $148.6 million in notional amount with commercial customers, and 20 interest rate swaps with the same aggregate notional amount with third parties related to its program.  In addition, the Company has four participation loans purchased totaling $27.9 million, in which the lead institution has an interest rate swap with its customer and the economics of the counterparty swap are passed along to the Company through the loan participation.  At December 31, 2019, excluding the Valley Bank swaps, the Company had 19 interest rate swaps totaling $96.0 million in notional amount with commercial customers, and 19 interest rate swaps with the same notional amount with third parties related to its program.  During the three months ended June 30, 2020 and 2019, the Company recognized net losses of $106,000 and $44,000, respectively, in noninterest income related to changes in the fair value of these swaps.  During the six months ended June 30, 2020 and 2019, the Company recognized net losses of $514,000 and $68,000, respectively, in noninterest income related to changes in the fair value of these swaps.

 

Cash Flow Hedges

 

Interest Rate Swap.  As a strategy to maintain acceptable levels of exposure to the risk of changes in future cash flows due to interest rate fluctuations, in October 2018, the Company entered into an interest rate swap transaction as part of its ongoing interest rate management strategies to hedge the risk of its floating rate loans. The notional amount of the swap was $400 million with a termination date of October 6, 2025. Under the terms of the swap, the Company received a fixed rate of interest of 3.018% and paid a floating rate of interest equal to one-month USD-LIBOR. The floating rate reset monthly and net settlements of interest due to/from the counterparty also occurred monthly. To the extent that the fixed rate of interest exceeded one-month USD-LIBOR, the Company received net interest settlements which were recorded as loan interest income. If USD-LIBOR exceeded the fixed rate of interest in future periods, the Company was required to pay net settlements to the counterparty and recorded those net payments as a reduction of interest income on loans. The Company recorded loan interest income of $2.0 million and $568,000 on this interest rate swap during the three months ended June 30, 2020 and 2019, respectively. The Company recorded loan interest income of $3.6 million and $1.1 million on this interest rate swap during the six months ended June 30, 2020 and 2019, respectively. The effective portion of the gain or loss on the derivative is reported as a component of other comprehensive income and reclassified into earnings in the same period or periods during which the hedged transaction affected earnings. Gains and losses on the derivative representing either hedge ineffectiveness or hedge components excluded from the assessment of effectiveness are recognized in current earnings. During each of the three and six months ended June 30, 2020 and 2019, the Company recognized no noninterest income related to changes in the fair value of this derivative.

 

On March 2, 2020, the Company and its swap counterparty mutually agreed to terminate the swap, effective immediately.  The Company received a payment of $45.9 million, including accrued but unpaid interest, from its swap counterparty as a result of this termination.  This $45.9 million, less the accrued interest portion and net of deferred income taxes, is reflected in the Company’s stockholders’ equity as Accumulated Other Comprehensive Income and a portion of it will be accreted to interest income on loans monthly through the original contractual termination date of October 6, 2025.  This will have the effect of reducing Accumulated Other Comprehensive Income and increasing Net Interest Income and Retained Earnings over the period. In each quarterly period, commencing with the quarter ended June 30, 2020, until the original contract termination date, the Company expects to record loan interest income related to this swap transaction of approximately $2.0 million, based on the termination value of the swap.

 


 

38



 

The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the Consolidated Statements of Financial Condition:

 

 

Location in

 

Fair Value

 

Consolidated Statements

 

    June 30,    

 

 

December 31,

 

of Financial Condition

 

2020

 

 

2019

 

 

 

(In Thousands)

Derivatives designated as hedging instruments

 

 

Interest rate swap

Prepaid expenses and other assets

$

-

 

$

30,056

 

 

 

 

 

 

Total derivatives designated as hedging instruments

 

$

-

 

$

30,056

 

 

Derivatives not designated as hedging instruments

 

 

 

 

 

 

Asset Derivatives

 

 

 

 

 

 

Interest rate products

Prepaid expenses and other assets

$

6,580

 

$

1,420

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total derivatives not designated as hedging instruments

 

$

6,580

 

$

1,420

 

 

 

 

 

 

 

Liability Derivatives

 

 

 

 

 

 

Interest rate products

Accrued expenses and other liabilities

$

7,221

 

$

1,547

 

 

 

 

 

 

 

Total derivatives not designated as hedging instruments

 

$

7,221

 

$

1,547

 

 

The following table presents the effect of cash flow hedge accounting on the statements of comprehensive income:  

 

 

 

Amount of Gain (Loss)

 

 

Recognized in AOCI

 

 

Three Months Ended June 30,

Cash Flow Hedges

 

2020

 

 

2019

 

 

(In Thousands)

 

 

Interest rate swap, net of income taxes

$

(1,564)  

 

$

8,528

 

 

 

 

 

 

 

 

Amount of Gain (Loss)

 

 

Recognized in AOCI

 

 

Six Months Ended June 30,

Cash Flow Hedges

 

2020

 

 

2019

 

 

(In Thousands)

 

 

Interest rate swap, net of income taxes

$

9,852  

 

$

14,328

 

 

 

 

 

 


 

39



 

The following table presents the effect of cash flow hedge accounting on the statements of income:  

 

 

Three Months Ended June 30,

Cash Flow Hedges

2020

2019

 

Interest

Interest

Interest

Interest

 

Income

Expense

Income

Expense

 

(In Thousands)

Interest rate swap

$         2,025

$     -

$          568

$      -  

 

 

 

 

 

 

 

Six Months Ended June 30,

Cash Flow Hedges

2020

2019

 

Interest

Interest

Interest

Interest

 

Income

Expense

Income

Expense

 

(In Thousands)

Interest rate swap

$         3,581

$     -

$      1,081

$      -  

 

 

 

 

 

 

Agreements with Derivative Counterparties

 

The Company has agreements with its derivative counterparties. If the Company defaults on any of its indebtedness, including a default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. If the Bank fails to maintain its status as a well-capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements. Similarly, the Company could be required to settle its obligations under certain of its agreements if certain regulatory events occurred, such as the issuance of a formal directive, or if the Company’s credit rating is downgraded below a specified level.

 

At June 30, 2020, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $7.3 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At June 30, 2020, the Company’s activity with two of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be given by the Company) and the Company had posted collateral totaling $7.0 million to the derivative counterparties to satisfy the loan level agreements. If the Company had breached any of these provisions at June 30, 2020 or December 31, 2019, it could have been required to settle its obligations under the agreements at the termination value.

 

At December 31, 2019, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $1.1 million. In addition, as of December 31, 2019, the termination value of derivatives with our derivative dealer counterparty (related to the balance sheet hedge commenced in October 2018) in a net asset position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $30.1 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At December 31, 2019, the Company’s activity with one of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be received by the Company) and the derivative counterparties had posted collateral of $30.9 million to the Company to satisfy the balance sheet hedge agreement. Additionally, the Company’s activity with one of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be given by the Company) and the Company had posted collateral of $1.1 million to the derivative counterparties to satisfy the loan level agreements. If the Company had breached any of these provisions at December 31, 2019, it could have been required to settle its obligations under the agreements at the termination value.

 


 

40



ITEM 2. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

 

Forward-looking Statements

 

When used in this Quarterly Report and in other documents filed or furnished by Great Southern Bancorp, Inc. (the “Company”) with the Securities and Exchange Commission (the "SEC"), in the Company's press releases or other public or stockholder communications, and in oral statements made with the approval of an authorized executive officer, the words or phrases “may,” “might,” “could,” “should,” "will likely result," "are expected to," "will continue," "is anticipated," “believe,” "estimate," "project," "intends" or similar expressions are intended to identify "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements also include, but are not limited to, statements regarding plans, objectives, expectations or consequences of announced transactions, known trends and statements about future performance, operations, products and services of the Company. The Company’s ability to predict results or the actual effects of future plans or strategies is inherently uncertain, and the Company’s actual results could differ materially from those contained in the forward-looking statements. The novel coronavirus disease, or COVID-19, pandemic is adversely affecting the Company, its customers, counterparties, employees, and third-party service providers, and the ultimate extent of the impacts on the Company’s business, financial position, results of operations, liquidity, and prospects is uncertain. Continued deterioration in general business and economic conditions, including further increases in unemployment rates, or turbulence in domestic or global financial markets could adversely affect the Company’s revenues and the values of its assets and liabilities, reduce the availability of funding, lead to a tightening of credit, and further increase stock price volatility. In addition, changes to statutes, regulations, or regulatory policies or practices as a result of, or in response to, COVID-19, could affect the Company in substantial and unpredictable ways.

 

Other factors that could cause or contribute to such differences include, but are not limited to: (i) expected revenues, cost savings, earnings accretion, synergies and other benefits from the Company's  merger and acquisition activities might not be realized within the anticipated time frames or at all, and costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected; (ii) changes in economic conditions, either nationally or in the Company's market areas; (iii) fluctuations in interest rates; (iv) the risks of lending and investing activities, including changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for loan losses; (v) the possibility of other-than-temporary impairments of securities held in the Company's securities portfolio; (vi) the Company's ability to access cost-effective funding; (vii) fluctuations in real estate values and both residential and commercial real estate market conditions; (viii) the ability to adapt successfully to technological changes to meet customers' needs and developments in the marketplace; (ix) the possibility that security measures implemented might not be sufficient to mitigate the risk of a cyber-attack or cyber theft, and that such security measures might not protect against systems failures or interruptions; (x) legislative or regulatory changes that adversely affect the Company's business, including, without limitation, the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 and its implementing regulations, the overdraft protection regulations and customers' responses thereto and the Tax Cut and Jobs Act; (xi) changes in accounting policies and practices or accounting standards, including Accounting Standards Update 2016-13, Credit Losses (Topic 326), “Measurement of Credit Losses on Financial Instruments,” commonly referenced as the Current Expected Credit Loss model, which, upon adoption, is expected to result in an increase in the Company’s allowance for credit losses; (xii) monetary and fiscal policies of the Federal Reserve Board and the U.S. Government and other governmental initiatives affecting the financial services industry; (xiii) results of examinations of the Company and Great Southern Bank by their regulators, including the possibility that the regulators may, among other things, require the Company to limit its business activities, change its business mix, increase its allowance for loan losses, write-down assets or increase its capital levels, or affect its ability to borrow funds or maintain or increase deposits, which could adversely affect its liquidity and earnings; (xiv) costs and effects of litigation, including settlements and judgments; (xv) competition; (xvi) uncertainty regarding the future of LIBOR; and (xvii) natural disasters, war, terrorist activities or civil unrest and their effects on economic and business environments in which the Company operates. The Company wishes to advise readers that the factors listed above and other risks described from time to time in documents filed or furnished by the Company with the SEC could affect the Company's financial performance and could cause the Company's actual results for future periods to differ materially from any opinions or statements expressed with respect to future periods in any current statements.


 

41



The Company does not undertake-and specifically declines any obligation- to publicly release the result of any revisions which may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.

 

Critical Accounting Policies, Judgments and Estimates

 

The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America and general practices within the financial services industry. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the amounts reported in the financial statements and the accompanying notes. Actual results could differ from those estimates.

 

Allowance for Loan Losses and Valuation of Foreclosed Assets

 

The Company believes that the determination of the allowance for loan losses involves a higher degree of judgment and complexity than its other significant accounting policies. The allowance for loan losses is calculated with the objective of maintaining an allowance level believed by management to be sufficient to absorb estimated loan losses. Management's determination of the adequacy of the allowance is based on periodic evaluations of the loan portfolio and other relevant factors. However, this evaluation is inherently subjective as it requires material estimates of, among other things, expected default probabilities, loss once loans default, expected commitment usage, the amounts and timing of expected future cash flows on impaired loans, value of collateral, estimated losses, and general amounts for historical loss experience.

 

The process also considers economic conditions, uncertainties in estimating losses and inherent risks in the loan portfolio. All of these factors may be susceptible to significant change. To the extent actual outcomes differ from management estimates, additional provisions for loan losses may be required which would adversely impact earnings in future periods. In addition, the Bank’s regulators could require additional provisions for loan losses as part of their examination process.

 

See Note 6 “Loans and Allowance for Loan Losses” included in Item 1 for additional information regarding the allowance for loan losses. Inherent in this process is the evaluation of individual significant credit relationships. From time to time certain credit relationships may deteriorate due to payment performance, cash flow of the borrower, value of collateral, or other factors. In these instances, management may revise its loss estimates and assumptions for these specific credits due to changing circumstances. In some cases, additional losses may be realized; in other instances, the factors that led to the deterioration may improve or the credit may be refinanced elsewhere and allocated allowances may be released from the particular credit.  The Company uses a three-year average of historical losses for the general component of the allowance for loan loss calculation.  No significant changes were made to management's overall methodology for evaluating the allowance for loan losses during the periods presented in the financial statements of this report.

 

In addition, the Company considers that the determination of the valuations of foreclosed assets held for sale involves a high degree of judgment and complexity. The carrying value of foreclosed assets reflects management’s best estimate of the amount to be realized from the sales of the assets.  While the estimate is generally based on a valuation by an independent appraiser or recent sales of similar properties, the amount that the Company realizes from the sales of the assets could differ materially from the carrying value reflected in the financial statements, resulting in losses that could adversely impact earnings in future periods.

 

Carrying Value of Loans Acquired in FDIC-Assisted Transactions

 

The Company considers that the determination of the carrying value of loans acquired in the FDIC-assisted transactions involves a high degree of judgment and complexity. The carrying value of the acquired loans reflects management’s best ongoing estimates of the amounts to be realized on these assets.  The Company determined initial fair value accounting estimates of the acquired assets and assumed liabilities in accordance with FASB ASC 805, Business Combinations. However, the amount that the Company realizes on its acquired loan assets could differ materially from the carrying value reflected in its financial statements, based upon the timing of collections on the acquired loans in future periods. Because of the loss sharing agreements with the FDIC on certain of these assets, the


 

42



Company did not expect to incur any significant losses related to these assets.  Subsequent to the initial valuation, the Company continued to monitor identified loan pools for changes in estimated cash flows projected for the loan pools, anticipated credit losses and changes in the accretable yield.  Analysis of these variables requires significant estimates and a high degree of judgment.  See Note 7 “FDIC-Assisted Acquired Loans” included in Item 1 for additional information regarding the TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank FDIC-assisted transactions.

 

Goodwill and Intangible Assets

 

Goodwill and intangible assets that have indefinite useful lives are subject to an impairment test at least annually and more frequently if circumstances indicate their value may not be recoverable. Goodwill is tested for impairment using a process that estimates the fair value of each of the Company’s reporting units compared with its carrying value. The Company defines reporting units as a level below each of its operating segments for which there is discrete financial information that is regularly reviewed. As of June 30, 2020, the Company had one reporting unit to which goodwill has been allocated – the Bank.  If the fair value of a reporting unit exceeds its carrying value, then no impairment is recorded. If the carrying value exceeds the fair value of a reporting unit, further testing is completed comparing the implied fair value of the reporting unit’s goodwill to its carrying value to measure the amount of impairment, if any. Intangible assets that are not amortized must be tested for impairment at least annually by comparing the fair values of those assets to their carrying values. At June 30, 2020, goodwill consisted of $5.4 million at the Bank reporting unit, which included goodwill of $4.2 million that was recorded during 2016 related to the acquisition of 12 branches from Fifth Third Bank.  Other identifiable intangible assets that are subject to amortization are amortized on a straight-line basis over a period of seven years. At June 30, 2020, the amortizable intangible assets consisted of core deposit intangibles of $2.1 million, which are reflected in the table below.  These amortizable intangible assets are reviewed for impairment if circumstances indicate their value may not be recoverable based on a comparison of fair value.

 

At June 30, 2020, the Company evaluated the current circumstances brought about by the COVID-19 pandemic and its effect on the valuation of the Company and other bank holding companies and determined that no triggering event had occurred requiring an evaluation of goodwill or other intangible asset impairment. While the Company believes no impairment of its goodwill or other intangible assets existed at June 30, 2020, different conditions or assumptions used to measure fair value of reporting units, or changes in cash flows or profitability, if significantly negative or unfavorable, could have a material adverse effect on the outcome of the Company’s impairment evaluation in the future.

 

A summary of goodwill and intangible assets is as follows:

 

 

 

June 30,

2020

 

 

December 31,

2019

 

 

(In Thousands)

 

 

 

 

 

 

Goodwill – Branch acquisitions

$

5,396

 

$

5,396

Deposit intangibles

 

 

 

 

 

Boulevard Bank

 

92

 

 

153

Valley Bank

 

400

 

 

600

Fifth Third Bank

 

1,633

 

 

1,949

 

 

2,125

 

 

2,702

 

$

7,521

 

$

8,098

 

Current Economic Conditions

 

Changes in economic conditions could cause the values of assets and liabilities recorded in the financial statements to change rapidly, resulting in material future adjustments in asset values, the allowance for loan losses, or capital that could negatively impact the Company’s ability to meet regulatory capital requirements and maintain sufficient liquidity.

 

Following the housing and mortgage crisis and correction beginning in mid-2007, the United States entered an economic downturn.  Unemployment rose from 4.7% in November 2007 to peak at 10.0% in October 2009.  


 

43



Subsequently, economic conditions improved considerably, as indicated by higher consumer confidence levels, increased economic activity and low unemployment levels. The US economy continued to operate at historically strong levels until the impact of COVID-19 began to take its toll in March 2020.  While the severity and extent of the COVID-19 pandemic on the global, national and regional economies is still uncertain, it will most likely have a detrimental impact on the performance of our loan portfolio.  Short-term modifications to loan terms to help our customers navigate through the current situation were made in accordance with guidance from the banking regulatory authorities. These modifications did not result in these loans being classified as troubled debt restructurings, potential problem loans or non-performing loans. Among the more severely impacted industries in our portfolio are retail, motels/hotels and restaurants.

 

In June 2020, the national unemployment rate declined to 11.1%, down from 13.3% in May 2020.  Improvements in the labor market during the month of June reflected the continued resumption of economic activity that had been curtailed in March and April due to the COVID-19 pandemic and efforts to contain it. Employment nationally in leisure and hospitality increased by 2.1 million, mainly in food services and drinking places. Notable job gains also occurred in retail trade, education and health services, other services, manufacturing, and professional and business services. Unemployment rates will likely remain volatile and dependent upon the degree to which the COVID-19 pandemic is contained.

 

The unemployment rate for the Midwest, where the Company conducts most of its business, increased from 4.1% in March 2020 to 11% in June 2020.  Unemployment rates for June 2020 in the other states where the Company conducts business were Arkansas at 8.0%, Colorado at 10.5%, Georgia at 7.6%, Illinois at 14.6%, Iowa at 8.0%, Kansas at 7.5%, Minnesota at 8.6%, Missouri at 7.9%, Nebraska at 6.7%, Oklahoma at 6.6%, and Texas at 8.6%. Of the metropolitan areas in which the Company does business, the largest year-over-year employment decreases occurred in the Chicago area with a decrease of 466,800 jobs, ending with an unemployment rate in June 2020 of 15.6%, the highest among the metropolitan areas in which the Company does business. Denver had the second highest unemployment rate at 11.1% in the Company’s metropolitan footprint. While all of the areas in the Company’s metropolitan footprint had an increase in unemployment due to the ongoing pandemic, other than Chicago and Denver, their unemployment rates for June 2020 were below the national unemployment rate of 11.1%.

 

Housing

Sales of newly built single-family homes for June 2020 were at a seasonally adjusted annual rate of 776,000 according to U.S. Census Bureau and the Department of Housing and Urban Development (“HUD”) estimates.  This is 13.8% above the revised May 2020 rate of 682,000, and 6.9% above the June 2019 rate of 726,000.  The median sales price of new houses sold in June 2020 was $329,200 up slightly from $310,400 a year earlier.  The June 2020 average sales price of $384,700 was up slightly from $368,600 a year ago.  The inventory of new homes for sale at the end of June 2020 would support 4.7 months’ supply at the current sales pace, down from 6.3 months in June 2019.

 

Existing-home sales rebounded at a record pace in June 2020, showing strong signs of a market turnaround after three straight months of sales declines caused by the ongoing pandemic, according to the National Association of Realtors (NAR). Each of the four major regions achieved month-over month growth, with the West experiencing the greatest sales recovery. Existing-home sales jumped 20.7% in June 2020 from May 2020; however, sales for June 2020 were down 11.3% from June 2019, according to NAR. Total existing home sales reached a seasonally adjusted rate of 4.72 million in June 2020. Total housing inventory at the end of June 2020 was at 1.57 million, up 1.3% from May 2020, but down 18.2% from June 2019. This marks 13 straight months of year-over-year declines.  It will take 4.0 months to move the current level of inventory at the current sales pace. It takes approximately 24 days for a home to go from listing to a contract in the current housing market, equal to 27 days, or 0.3 months, from a year ago.

 

The median existing home price for all housing types in June 2020 was $295,300, up 3.5% from a year ago. This price increase marks the 100th straight month of year-over-year gains. The Midwest region had the smallest price gain of the four regions with a median existing home sale price for June 2020 of $236,900, which is a 3.2% increase from a year ago. First-time buyers nationally accounted for 35% of sales in June 2020, up from 34% in May and about equal to 35% in June 2019.


 

44



According to Freddie Mac, the average commitment rate for a 30-year, conventional, fixed-rate mortgage increased to 3.16% in June 2020, down from 3.23% in May 2020. The average commitment rate for all of 2019 was 3.94 percent, down from 4.54 percent for 2018.

 

The effects of the COVID-19 pandemic on real estate markets are already appearing in CoStar's multifamily data with daily asking rents for apartment units declining since March 11, 2020 – just as the prime leasing season began to unfold. After flattening in May 2020, rents began to rebound in June 2020 as cities nationwide worked to reopen their economies and the national job market continued to show signs of recovering.  A $2 trillion+ federal stimulus package included direct cash payments to renter households of around $85 billion, which helped mitigate the impact on the apartment sector. Fannie Mae, Freddie Mac, and HUD all announced prohibitions on evictions in all GSE-financed communities, and the National Multifamily Housing Council (NMHC) has published guidelines to its members to avoid evictions and delay rent hikes.  The long-term outlook for apartment demand may be affected by changes in attitudes regarding working from home and changes in personal circumstances such as  divorces, marriages, and births.

 

As of the end of June 2020, national apartment vacancy rates had increased slightly to 6.8% while our market areas reflected the following vacancy levels: Springfield, Mo. at 5.0%, St. Louis at 9.2%, Kansas City at 7.6%, Minneapolis at 5.5%, Tulsa, Okla. at 7.9%, Dallas-Fort Worth at 8.4%, Chicago at 7.0%, Atlanta at 8.9% and Denver at 8.1%.

 

Commercial Real Estate Other Than Housing

The full impact of the COVID-19 pandemic on the U.S. office sector remains unclear, but per CoStar, a steep decline in leasing and transaction volume is expected to continue beyond the second quarter of 2020.   Demand for U.S. office space ended the first quarter of 2020 in positive territory, though it was the lowest quarterly total since 2011 and much of the positive absorption occurred prior to March 2020. That positive absorption reversed sharply in the second quarter of 2020, with demand posting the largest negative total since mid-2009.   Annual rent growth has been slowing over the past couple of quarters, but remained positive in the first quarter of 2020. Even before the disruption caused by the COVID-19, the trend of slowing growth was expected to continue in 2020 and beyond.

 

The retail sector of commercial real estate remains one of the most vulnerable to the impact of COVID-19.  Gradual store re-openings throughout the nation and the relaxation of social distancing restrictions has modestly lifted consumer confidence and given hope for stabilization in the industry.  However, increasing infection rates throughout many Southern states threaten the continued path to stability, creating additional uncertainty for retailers already struggling with reduced revenues and limited liquidity.  Decline in sales in apparel, department stores, retail shops and restaurants, those sectors believed to be among the most hurt by the pandemic, will affect malls, strip centers and outlet centers by subsequent increases in vacancies. The wave of retail bankruptcies is expected to continue; however, tenants with essential-oriented offerings have thus far weathered the storm and arisen as a modest source of positive demand.  

 

Though the industrial sector may fare best among commercial real estate sectors, its operating fundamentals will not fully escape the negative impacts of COVID-19. Dampened aggregate demand and reduced export growth along with disrupted and curtailed supply chains present a headwind for port markets and industrial distribution operators. Meanwhile, labor shortages arising from mandatory construction suspensions place further pressure on industrial operators, distributors and manufacturers. Negative factors in the industry are countered somewhat with the increased activity of large tenant groups including Amazon, third party logistics providers and larger retailers.  

 

Under CoStar’s Base Case forecast, the moderation in demand, taking into consideration a considerable development pipeline, may result in a vacancy rate in the mid 6% range, which is still well below the peak of 10.6% reached during the Great Recession of 2007 to 2009.

 

The degree to which the commercial real estate sector will suffer is yet unknown, as the path and progression of the pandemic, and the economy's response to measures taken to control the spread of the virus remains fluid. In addition to forced and voluntary store closures, many retailers will struggle amid near-total loss of foot traffic, declining consumer sentiment, lost wages and restrained consumer spending activity.


 

45



Our management will continue to monitor regional, national, and global economic indicators such as unemployment, GDP, housing starts and prices, and commercial real estate occupancy, absorption and rental rates, as these could significantly affect customers in each of our market areas.

 

COVID-19 Impact to Our Business and Response

 

Great Southern is actively monitoring and responding to the effects of the rapidly-changing COVID-19 pandemic. As always, the health, safety and well-being of our customers, associates and communities are the Company’s top priorities. Centers for Disease Control and Prevention (CDC) guidelines, as well as directives from federal, state and local officials, are being closely followed to make informed operational decisions.  

 

In January 2020, the Company activated its long-established Pandemic Response Plan.  This plan promotes the health and safety of the Company’s constituents and specifies responsive actions to support continuous service for customers. A summary of the Company’s major COVID-19 responses and actions are highlighted below.

 

Great Southern Associates:  During this unprecedented time, the Company is working diligently with its nearly 1,200 associates to enforce CDC-advised health, hygiene and social distancing practices.  Approximately 50% of non-frontline associates are currently working from home. Teams in nearly every operational department have been split, with part of each team working at an off-site disaster recovery facility to promote social distancing and to avoid service disruptions. To date, there have been no service disruptions or reductions in staffing.

 

Paid time off and other benefits were enhanced and implemented to support Great Southern associates. Part-time associates were awarded paid sick benefits for the first time. Any full-time or part-time associate will receive full pay if placed under a restrictive quarantine due to COVID-19 infection or direct exposure to an infected individual. The Company’s Employee Assistance Program (EAP) was enhanced at no cost to associates and family members seeking counseling services for mental health and emotional support needs.

 

Great Southern Communities:  To support local COVID-19 relief efforts, in March 2020, Great Southern committed up to $300,000 to Feeding America food banks, local United Way agencies and other nonprofit organizations to address food insecurity and support critical health and human services. Throughout the second quarter of 2020, these funds were distributed to agencies serving Great Southern local markets across its 11-state franchise.

 

Great Southern Customers:  During the COVID-19 pandemic, taking care of customers and providing uninterrupted access to services are top priorities. As always, customers can conduct their banking business using the banking center network, online and mobile banking services, ATMs, Telephone Banking, and online account opening services.  As health conditions in local markets dictate, Great Southern banking center lobbies are open following strict social distancing guidance from the CDC and local government officials. If customer lobbies are closed in a market area, then drive-thru service and in-person service by appointment are available.   

 

The COVID-19 pandemic is causing a growing number of customers to experience financial uncertainty and hardships. The Company has been reaching out to customers and is strongly encouraging customers to call for assistance. Certain account maintenance and service fees are being waived or refunded for depository customers. Payment relief options and loan modifications for consumer and commercial loan customers are available on a case-by-case basis.  See Loan Modifications below for further details of loan modifications to date.

 

The Company has been actively utilizing the CARES Act stimulus package to assist consumers and businesses. The CARES Act made available Small Business Administration (SBA) lending programs that offer relief for small businesses, including the Paycheck Protection Program (PPP). Great Southern is participating in the PPP, which provides emergency financial support to small businesses (primarily those with less than 500 employees) by offering federally guaranteed loans through the SBA. These loans may be eligible for forgiveness contingent upon how the loan proceeds are used by the borrower. Through June 30, 2020, Great Southern has originated nearly 1,600 PPP loans totaling approximately $120 million.

 

As a resource to customers, a COVID-19 information center has been made available on the Company’s website, www.GreatSouthernBank.com.  General information about the Company’s pandemic response, how to receive assistance, and how to avoid COVID-19 scams and fraud are included.   


 

46



Impacts to Our Business Going Forward:  The magnitude of the impact on the Company of the COVID-19 pandemic is not yet fully known, and will depend on the length and severity of the economic downturn brought on by the pandemic. The Company expects that the COVID-19 pandemic will impact our business in future periods in one or more of the following ways, among others. Each of these factors could, individually or collectively, result in reduced net income in future periods.

 

·Significantly lower market interest rates will have a negative impact on our variable rate loans indexed to LIBOR and prime 

·Certain fees for deposit and loan products may be waived or reduced 

·Point-of-sale fee income may decline due to a decrease in spending by our debit card customers as they deal with “Stay at Home” requirements and other restrictions and may be adversely affected by reductions in their personal income and job losses  

·Non-interest expenses may increase to deal with the effects of the COVID-19 pandemic, including cleaning costs, supplies, equipment and other items 

·Banking center lobbies have now reopened, but could be closed again if the pandemic situation worsens 

·Additional loan modifications may occur and borrowers may default on their loans, which may necessitate further increases to the allowance for loan losses 

·The contraction in economic activity may reduce demand for our loans and for our other products and services 

 

Paycheck Protection Program Loans

 

As noted above, Great Southern is actively participating in the PPP through the SBA. The PPP has been met with very high demand throughout the country, resulting in a second round of funding through an amendment to the CARES Act.  As of June 30, 2020, we originated approximately 1,600 PPP loans totaling approximately $120 million.  Great Southern has received $4.7 million in fees from the SBA for originating these loans based on the amount of each loan.  The fees, net of origination costs, will be deferred in accordance with standard accounting practices and will be accreted to interest income on loans over the contractual life of each loan.  These loans generally have a contractual maturity of two years from origination date, but may be repaid or forgiven (by the SBA).  If these loans are repaid or forgiven prior to their contractual maturity date, the remaining deferred fee for such loan will be accreted to interest income on loans immediately.  We expect a high percentage of these net deferred fees will accrete to interest income in the remainder of 2020.

 

Loan Modifications

 

Through June 30, 2020, we have modified 431 commercial loans with an aggregate principal balance outstanding of $931 million and 1,702 consumer and mortgage loans with an aggregate principal balance outstanding of $80 million. The loan modifications are within the guidance provided by the CARES Act, the federal banking regulatory agencies, the Securities and Exchange Commission and the Financial Accounting Standards Board; therefore, they are not considered troubled debt restructurings or classified assets for regulatory purposes.  The modified loans are in the following categories (dollars in millions):


 

47



Collateral Type

# of
Loans
Modified

 

$ of Loans
Modified

 

Interest
Only
3 Months

 

Interest
Only
4-6
Months

 

Interest
Only
7-12
Months

 

Full
Payment
Deferral
3 Months

 

Full
Payment
Deferral
6 Months

Weighted
Average
Loan to
Value

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Retail

103

$

261.3

$

 239.0

$

4.3

$

     8.9

$

5.6

$

3.5

65%

Multifamily

52

 

190.5

 

166.1

 

24.4

 

 

 

69%

Healthcare

24

 

143.1

 

96.5

 

11.3

 

 

 

35.3

64%

Hotel/Motel

23

 

129.8

 

88.4

 

 

 

10.2

 

31.2

65%

Office

40

 

80.4

 

77.4

 

 

0.3

 

 

2.7

56%

Warehouse/Other

45

 

54.3

 

38.7

 

0.3

 

7.8

 

0.3

 

7.2

55%

Restaurants

36

 

36.9

 

20.6

 

 

 

1.8

 

14.5

61%

Commercial Business

92

 

27.9

 

14.3

 

2.0

 

5.5

 

 

6.1

 

Land

16

 

6.7

 

4.3

 

 

1.0

 

 

1.4

 

Total Commercial

431

 

930.9

 

745.3

 

42.3

 

23.5

 

17.9

 

101.9

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential Mortgage

273

 

62.5

 

24.2

 

1.5

 

 

36.8

 

70%

Consumer

1,429

 

17.4

 

 

 

 

17.4

 

 

Total Consumer

1,702

 

79.9

 

24.2

 

1.5

 

 

54.2

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

2,133

$

1,010.8

$

769.5

$

43.8

$

23.5

$

72.1

$

101.9

 

 

During July 1 through September 30, 2020, loans with an aggregate principal balance outstanding of $724 million were scheduled to return to their normal payment status.  Based on discussions with the borrowers, we expect a large portion of these loans to return to normal payments status by the end of August 2020; however, a more severe or lengthier deterioration in economic conditions could change this outlook.  A portion of these loans may be further modified within the guidance provided by the CARES Act, the federal banking regulatory agencies, the Securities and Exchange Commission and the Financial Accounting Standards Board.

 

The Company has escalated monitoring activities related to the modified loans and has also increased review and monitoring activities for certain sectors of the loan portfolio which may be currently most impacted by the COVID-19 pandemic.  The retail portfolio had an outstanding balance of $418 million at June 30, 2020, which was 10% of the total loan portfolio.  It is a very granular portfolio, with an average loan size of $1.4 million.  Most loans are under $5 million, with 26% of the outstanding balance of the retail portfolio represented by loans in excess of $10 million.  At June 30, 2020, the weighted average loan-to-value ratio of this portfolio was 64%.

 

The hotel/motel portfolio had an outstanding balance of $187 million at June 30, 2020, which was 4% of the total loan portfolio.  The average loan size is $4.3 million, with the 20 largest loans comprising approximately 90% of the portfolio.  These properties are well-diversified geographically, mainly throughout the Midwest, with most being limited-service properties.  Approximately 90% of the portfolio operates under the flag of major hotel chains.   At June 30, 2020, the weighted average loan-to-value ratio of this portfolio was 59%.

 

The restaurant portfolio had an outstanding balance of $73 million at June 30, 2020, which was 2% of the total loan portfolio.  It is a very granular portfolio, with the majority of the restaurants operating in Missouri, Illinois, Iowa and Minnesota.  The majority of these loans are to franchisees of top-tier quick service brands with national scale that have had the ability to stay open with delivery and drive-through service throughout the course of the pandemic.  At June 30, 2020, the weighted average loan-to-value ratio of this portfolio was 63%.


 

48



Total loans outstanding (excluding FDIC-assisted acquired loans, net of discount) in the following categories at June 30, 2020, were as follows (dollars in millions):

 

Collateral Type

 

Outstanding
Balance of
Loans of This
Collateral Type

 

Percentage of
Loans Modified To
Total Loans
of This
Collateral Type

 

Percentage
of Loans
Modified To
Total Loans

 

Percentage
of Loans of This
Collateral
Type to
Total Loans

 

Weighted Average
Loan to Value of
Loans in This
Collateral Type

 

 

 

 

 

 

 

 

 

 

 

Retail

$

         418.4

 

62%

 

6%

 

10%

 

64%

Healthcare

 

294.3

 

49%

 

3%

 

7%

 

63%

Hotel/Motel

 

187.3

 

69%

 

3%

 

4%

 

59%

Multifamily

 

991.9

 

19%

 

4%

 

23%

 

73%

Office

 

256.8

 

31%

 

2%

 

6%

 

61%

Warehouse/Other

 

263.4

 

21%

 

1%

 

6%

 

60%

Commercial Business(1)

 

247.9

 

11%

 

1%

 

6%

 

 

Restaurants

 

73.2

 

50%

 

1%

 

2%

 

63%

Land

 

38.6

 

17%

 

<1%

 

1%

 

 

Total Commercial

 

2,771.8

 

34%

 

21%

 

63%

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential Mortgage

 

602.2

 

10%

 

1%

 

14%

 

71%

Consumer

 

273.1

 

6%

 

<1%

 

6%

 

 

Total Consumer

 

875.3

 

9%

 

2%

 

20%

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

      3,647.1

 

28%

 

23%

 

83%

 

 

 

 

 

 

 

 

 

 

 

 

 

(1) The Commercial Business outstanding loan balance excludes PPP loans of $121.1 million.

 

General

 

The profitability of the Company and, more specifically, the profitability of its primary subsidiary, the Bank, depend primarily on its net interest income, as well as provisions for loan losses and the level of non-interest income and non-interest expense. Net interest income is the difference between the interest income the Bank earns on its loans and investment portfolios, and the interest it pays on interest-bearing liabilities, which consists mainly of interest paid on deposits and borrowings. Net interest income is affected by the relative amounts of interest-earning assets and interest-bearing liabilities and the interest rates earned or paid on these balances. When interest-earning assets approximate or exceed interest-bearing liabilities, any positive interest rate spread will generate net interest income.

 

Great Southern's total assets increased $551.6 million, or 11.0%, from $5.02 billion at December 31, 2019, to $5.57 billion at June 30, 2020. Full details of the current period changes in total assets are provided in the “Comparison of Financial Condition at June 30, 2020 and December 31, 2019” section of this Quarterly Report on Form 10-Q.

 

Loans.  Net outstanding loans increased $245.7 million, or 5.9%, from $4.15 billion at December 31, 2019, to $4.40 billion at June 30, 2020.  The net increase in loans reflects reductions of $16.5 million in the FDIC-assisted acquired loan portfolios.  This increase was primarily in other residential (multi-family) loans, commercial business loans, one- to four-family residential loans and commercial real estate loans.  These increases were partially offset by decreases in construction loans and consumer auto loans.  The increases were primarily due to loan growth in our existing banking center network and our commercial loan production offices, and included approximately $120 million of PPP loans.  Excluding FDIC-assisted acquired loans and mortgage loans held for sale, total gross loans increased $241.0 million, or 4.9%, from December 31, 2019 to June 30, 2020.  As loan demand is affected by a variety of factors, including general economic conditions, and because of the competition we face and our focus on pricing discipline and credit quality, no assurances can be made regarding our future loan growth.  We expect minimal loan growth for the foreseeable future due to deteriorating economic conditions resulting from the COVID-19 pandemic. The Company's strategy continues to be focused on maintaining credit risk and interest rate risk at appropriate levels.


 

49



Recent loan growth has occurred in several loan types, primarily commercial real estate loans, other residential (multi-family) loans and one- to four-family residential mortgage loans and in most of Great Southern’s primary lending locations, including Springfield, St. Louis, Kansas City, Des Moines and Minneapolis, as well as our loan production offices in Atlanta, Chicago, Dallas, Denver, Omaha and Tulsa.  Certain minimum underwriting standards and monitoring help assure the Company’s portfolio quality. Great Southern’s loan committee reviews and approves all new loan originations in excess of lender approval authorities.  Generally, the Company considers commercial construction, consumer, and commercial real estate loans to involve a higher degree of risk compared to some other types of loans, such as first mortgage loans on one- to four-family, owner-occupied residential properties.  For commercial real estate, commercial business and construction loans, the credits are subject to an analysis of the borrower’s and guarantor’s financial condition, credit history, verification of liquid assets, collateral, market analysis and repayment ability.  It has been, and continues to be, Great Southern’s practice to verify information from potential borrowers regarding assets, income or payment ability and credit ratings as applicable and as required by the authority approving the loan.  To minimize construction risk, projects are monitored as construction draws are requested by comparison to budget and with progress verified through property inspections.  The geographic and product diversity of collateral, equity requirements and limitations on speculative construction projects help to mitigate overall risk in these loans. Underwriting standards for all loans also include loan-to-value ratio limitations, which vary depending on collateral type, debt service coverage ratios or debt payment to income ratio guidelines, where applicable, credit histories, use of guaranties and other recommended terms relating to equity requirements, amortization, and maturity.  Consumer loans are primarily secured by new and used motor vehicles and these loans are also subject to certain minimum underwriting standards to assure portfolio quality.  While Great Southern’s consumer underwriting and pricing standards have been fairly consistent in recent years, the Company tightened its underwriting guidelines on automobile lending beginning in the latter part of 2016.  Management took this step in an effort to improve credit quality in the portfolio and reduce delinquencies and charge-offs.  The underwriting standards employed by Great Southern for consumer loans include a determination of the applicant's payment history on other debts, credit scores, employment history and an assessment of ability to meet existing obligations and payments on the proposed loan.  In 2019, the Company discontinued indirect auto loan originations.  See “Item 1. Business – Lending Activities – General, – Commercial Real Estate and Construction Lending, and – Consumer Lending” in the Company’s December 31, 2019 Annual Report on Form 10-K.

 

While our policy allows us to lend up to 95% of the appraised value on one-to four-family residential properties, originations of loans with loan-to-value ratios at that level are minimal.  Private mortgage insurance is typically required for loan amounts above the 80% level.  Few exceptions occur and would be based on analyses which determined minimal transactional risk to be involved.  We consider these lending practices to be consistent with or more conservative than what we believe to be the norm for banks our size.  At June 30, 2020 and December 31, 2019, none of our owner occupied one- to four-family residential loans had loan-to-value ratios above 100% at origination.  At both June 30, 2020 and December 31, 2019, an estimated 0.6% of total non-owner occupied one- to four-family residential loans had loan-to-value ratios above 100% at origination. 

 

At June 30, 2020, troubled debt restructurings totaled $861,000, or 0.02% of total loans, down $1.1 million from $1.9 million, or 0.05% of total loans, at December 31, 2019.  Concessions granted to borrowers experiencing financial difficulties may include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection.  For troubled debt restructurings occurring during the six months ended June 30, 2020, seven loans totaling $156,000 were restructured into multiple new loans.  For troubled debt restructurings occurring during the year ended December 31, 2019, five loans totaling $34,000 were restructured into multiple new loans.  For further information on troubled debt restructurings, see Note 6 of the Notes to Consolidated Financial Statements contained in this report.  In accordance with the CARES Act and guidance from the banking regulatory agencies, we made certain short-term modifications to loan terms to help our customers navigate through the current pandemic situation. Although loan modifications were made, they did not result in these loans being classified as troubled debt restructurings, potential problem loans or non-performing loans. If more severe or lengthier negative impacts of the COVID-19 pandemic occur or the effects of the SBA loan programs and other loan and stimulus programs do not enable companies and individuals to completely recover financially, this could result in longer-term modifications, which may be deemed to be troubled debt restructurings, additional potential problem loans and/or additional non-performing loans. 


 

50



Loans that were acquired through FDIC-assisted transactions, which are accounted for in pools, are currently included in the analysis and estimation of the allowance for loan losses.  If expected cash flows to be received on any given pool of loans decreases from previous estimates, then a determination is made as to whether the loan pool should be charged down or the allowance for loan losses should be increased (through a provision for loan losses).  Acquired loans are described in Note 7 of the Notes to Consolidated Financial Statements contained in this report.  For acquired loan pools, the Company may allocate, and at June 30, 2020, has allocated, a portion of its allowance for loan losses related to these loan pools in a manner similar to how it allocates its allowance for loan losses to those loans which are collectively evaluated for impairment.

 

The level of non-performing loans and foreclosed assets affects our net interest income and net income. We generally do not accrue interest income on these loans and do not recognize interest income until the loans are repaid or interest payments have been made for a period of time sufficient to provide evidence of performance on the loans.  Generally, the higher the level of non-performing assets, the greater the negative impact on interest income and net income.  

 

Available-for-sale Securities.  In the six months ended June 30, 2020, available-for-sale securities increased $72.7 million, or 19.4%, from $374.2 million at December 31, 2019, to $446.9 million at June 30, 2020.  The increase was primarily due to the purchase of FNMA and GNMA fixed-rate multi-family mortgage-backed securities and collateralized mortgage obligations and short-term municipal securities, partially offset by calls of municipal securities and normal monthly payments received related to the portfolio of mortgage-backed securities.  The Company used increased deposits to fund this increase in investment securities.  

 

Deposits.  The Company attracts deposit accounts through its retail branch network, correspondent banking and corporate services areas, and brokered deposits. The Company then utilizes these deposit funds, along with FHLBank advances and other borrowings, to meet loan demand or otherwise fund its activities. In the six months ended June 30, 2020, total deposit balances increased $552.1 million, or 13.9%.  Transaction account balances increased $566.0 million to $2.81 billion at June 30, 2020, while retail certificates of deposit decreased $50.1 million, to $1.30 billion at June 30, 2020.  The increases in transaction accounts were primarily a result of increased customers in the CDARS reciprocal program, money market accounts and NOW deposit accounts.  Retail certificates of deposit decreased due to a decrease in retail certificates generated through the banking center network, partially offset by increases in customer deposits in the CDARS reciprocal program.  Customer deposits at June 30, 2020 and December 31, 2019, totaling $51.6 million and $35.3 million, respectively, were part of the CDARS program, which allows customers to maintain balances in an insured manner that would otherwise exceed the FDIC deposit insurance limit. Brokered deposits, including CDARS program purchased funds, were $407.8 million at June 30, 2020, an increase of $36.1 million from $371.7 million at December 31, 2019.    

 

Our deposit balances may fluctuate depending on customer preferences and our relative need for funding.  We do not consider our retail certificates of deposit to be guaranteed long-term funding because customers can withdraw their funds at any time with minimal interest penalty.  When loan demand trends upward, we can increase rates paid on deposits to attract more deposits and utilize brokered deposits to provide additional funding.  The level of competition for deposits in our markets is high. It is our goal to gain deposit market share, particularly checking accounts, in our branch footprint.  To accomplish this goal, increasing rates to attract deposits may be necessary, which could negatively impact the Company’s net interest margin.

 

Our ability to fund growth in future periods may also depend on our ability to continue to access brokered deposits and FHLBank advances. In times when our loan demand has outpaced our generation of new deposits, we have utilized brokered deposits and FHLBank advances to fund these loans. These funding sources have been attractive to us because we can create either fixed or variable rate funding, as desired, which more closely matches the interest rate nature of much of our loan portfolio.  It also gives us greater flexibility in increasing or decreasing the duration of our funding.  While we do not currently anticipate that our ability to access these sources will be reduced or eliminated in future periods, if this should happen, the limitation on our ability to fund additional loans could have a material adverse effect on our business, financial condition and results of operations.


 

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Federal Home Loan Bank Advances and Short-Term Borrowings.  The Company had no Federal Home Loan Bank advances outstanding at both June 30, 2020 and December 31, 2019.  At June 30, 2020, there were also no overnight borrowings from the FHLBank.  At December 31, 2019, there were no borrowings from the FHLBank other than overnight advances, which are included in the short term borrowings category.  

 

Short term borrowings and other interest-bearing liabilities decreased $226.9 million from $228.2 million at December 31, 2019 to $1.3 million at June 30, 2020.  The short term borrowings included overnight FHLBank borrowings of $-0- and $196.0 million at June 30, 2020 and December 31, 2019, respectively. The Company utilizes both overnight borrowings and short-term FHLBank advances depending on relative interest rates.

 

Securities sold under reverse repurchase agreements with customers. Securities sold under reverse repurchase agreements with customers increased $107.5 million from $84.2 million at December 31, 2019 to $191.6 million at June 30, 2020.  These balances fluctuate over time based on customer demand for this product.  A large portion of this increase is related to two customers who placed additional funds in these account types.

 

Subordinated notes. Subordinated notes increased $73.8 million from $74.2 million at December 31, 2019 to $148.0 million at June 30, 2020.  The Company issued $75.0 million of subordinated notes in June 2020, receiving net proceeds of $73.5 million.

 

Net Interest Income and Interest Rate Risk Management.  Our net interest income may be affected positively or negatively by changes in market interest rates. A large portion of our loan portfolio is tied to one-month LIBOR, three-month LIBOR or the "prime rate" and adjusts immediately or shortly after the index rate adjusts (subject to the effect of contractual interest rate floors on some of the loans, which are discussed below). We monitor our sensitivity to interest rate changes on an ongoing basis (see "Item 3. Quantitative and Qualitative Disclosures About Market Risk").  In addition, our net interest income has been impacted by changes in the cash flows expected to be received from acquired loan pools.  As described in Note 7 of the Notes to the Consolidated Financial Statements contained in this report, the Company’s evaluation of cash flows expected to be received from acquired loan pools has been on-going and increases in cash flow expectations have been recognized as increases in accretable yield through interest income.  Decreases in cash flow expectations have been recognized as impairments through the allowance for loan losses.

 

The current level and shape of the interest rate yield curve poses challenges for interest rate risk management. Prior to its increase of 0.25% on December 16, 2015, the FRB had last changed interest rates on December 16, 2008. This was the first rate increase since September 29, 2006.  The FRB also implemented rate change increases of 0.25% on eight additional occasions beginning December 14, 2016 and through December 31, 2018, with the Federal Funds rate reaching as high as 2.50%.  After December 2018, the FRB paused its rate increases and, in July, September and October 2019, implemented rate change decreases of 0.25% on each of those occasions. At December 31, 2019, the Federal Funds rate stood at 1.75%.  In response to the COVID-19 pandemic the FRB decreased interest rates on two occasions in March 2020, a 0.50% decrease on March 3 and a 1.00% decrease on March 16. At June 30, 2020, the Federal Funds rate stood at 0.25%.  A substantial portion of Great Southern’s loan portfolio ($2.09 billion at June 30, 2020) is tied to the one-month or three-month LIBOR index and will be subject to adjustment at least once within 90 days after June 30, 2020.  Of these loans, $1.97 billion had interest rate floors.  Great Southern also has a portfolio of loans ($227 million at June 30, 2020) tied to a "prime rate" of interest and will adjust immediately with changes to the “prime rate” of interest.  A rate cut by the FRB generally would have an anticipated immediate negative impact on the Company’s net interest income due to the large total balance of loans tied to the one-month or three-month LIBOR index and will be subject to adjustment at least once within 90 days or loans which generally adjust immediately as the Federal Funds rate adjusts. Interest rate floors may at least partially mitigate the negative impact of interest rate decreases. Loans at their floor rates are, however, subject to the risk that borrowers will seek to refinance elsewhere at the lower market rate.  Because the Federal Funds rate is again very low, there may also be a negative impact on the Company's net interest income due to the Company's inability to significantly lower its funding costs in the current competitive rate environment, although interest rates on assets may decline further. Conversely, interest rate increases would normally result in increased interest rates on our LIBOR-based and prime-based loans.  As of June 30, 2020, Great Southern's interest rate risk models indicate that, generally, rising interest rates are expected to have a positive impact on the Company's net interest income, while declining interest rates are expected to have a negative impact on net interest income. We model various interest rate scenarios for rising and falling rates, including both parallel and non-parallel shifts in rates. The results of our modeling indicate that net


 

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interest income is not likely to be significantly affected either positively or negatively in the first twelve months following a rate change, regardless of any changes in interest rates, because our portfolios are relatively well-matched in a twelve-month horizon. In a situation where market interest rates decrease significantly in a short period of time, as they did in March 2020, our net interest margin decrease may be more pronounced in the very near term (first one to three months), due to fairly rapid decreases in LIBOR interest rates. In the subsequent months we expect that the net interest margin would stabilize and begin to improve, as renewal interest rates on maturing time deposits are expected to decrease compared to the current rates paid on those products.  During the latter half of 2019 and the six months ended June 30, 2020, we did experience some compression of our net interest margin percentage due to 2.25% of Federal Fund rate cuts over that time period.  Margin compression primarily resulted from generally slower changing average interest rates on deposits and borrowings and lower yields on loans and other interest-earning assets.  LIBOR interest rates have recently decreased, putting pressure on loan yields, and strong pricing competition for loans and deposits remains in most of our markets.  For further discussion of the processes used to manage our exposure to interest rate risk, see “Item 3.  Quantitative and Qualitative Disclosures About Market Risk – How We Measure the Risks to Us Associated with Interest Rate Changes.”

 

Non-Interest Income and Non-Interest (Operating) Expenses.  The Company's profitability is also affected by the level of its non-interest income and operating expenses. Non-interest income consists primarily of service charges and ATM fees, late charges and prepayment fees on loans, gains on sales of loans and available-for-sale investments and other general operating income.  Non-interest income may also be affected by the Company's interest rate derivative activities, if the Company chooses to implement derivatives.  See Note 16 “Derivatives and Hedging Activities” in the Notes to Consolidated Financial Statements included in this report.  

 

Operating expenses consist primarily of salaries and employee benefits, occupancy-related expenses, expenses related to foreclosed assets, postage, FDIC deposit insurance, advertising and public relations, telephone, professional fees, office expenses and other general operating expenses.  Details of the current period changes in non-interest income and non-interest expense are provided in the “Results of Operations and Comparison for the Three and Six Months Ended June 30, 2020 and 2019” section of this report.

 

Effect of Federal Laws and Regulations

 

General. Federal legislation and regulation significantly affect the operations of the Company and the Bank, and have increased competition among commercial banks, savings institutions, mortgage banking enterprises and other financial institutions. In particular, the capital requirements and operations of regulated banking organizations such as the Company and the Bank have been and will be subject to changes in applicable statutes and regulations from time to time, which changes could, under certain circumstances, adversely affect the Company or the Bank.

 

Dodd-Frank Act. In 2010, sweeping financial regulatory reform legislation entitled the “Dodd-Frank Wall Street Reform and Consumer Protection Act” (the “Dodd-Frank Act”) was signed into law. The Dodd-Frank Act implemented far-reaching changes across the financial regulatory landscape.  Certain aspects of the Dodd-Frank Act have been affected by the recently Economic Growth Act, as defined and discussed below under “-Economic Growth Act.”

 

Capital Rules. The federal banking agencies have adopted regulatory capital rules that substantially amend the risk-based capital rules applicable to the Bank and the Company. The rules implement the “Basel III” regulatory capital reforms and changes required by the Dodd-Frank Act. “Basel III” refers to various documents released by the Basel Committee on Banking Supervision. For the Company and the Bank, the general effective date of the rules was January 1, 2015, and, for certain provisions, various phase-in periods and later effective dates apply. The chief features of these rules are summarized below.

 

The rules refine the definitions of what constitutes regulatory capital and add a new regulatory capital element, common equity Tier 1 capital. The minimum capital ratios are (i) a common equity Tier 1 (“CET1”) risk-based capital ratio of 4.5%; (ii) a Tier 1 risk-based capital ratio of 6%; (iii) a total risk-based capital ratio of 8%; and (iv) a Tier 1 leverage ratio of 4%. In addition to the minimum capital ratios, the rules include a capital conservation buffer, under which a banking organization must have CET1 more than 2.5% above each of its minimum risk-based capital ratios in order to avoid restrictions on paying dividends, repurchasing shares, and paying certain discretionary bonuses.  The capital conservation buffer requirement began phasing in on January 1, 2016 when a buffer greater


 

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than 0.625% of risk-weighted assets was required, which amount increased an equal amount each year until the buffer requirement of greater than 2.5% of risk-weighted assets became fully implemented on January 1, 2019.

 

Effective January 1, 2015, these rules also revised the prompt corrective action framework, which is designed to place restrictions on insured depository institutions if their capital levels show signs of weakness. Under the revised prompt corrective action requirements, insured depository institutions are required to meet the following in order to

qualify as “well capitalized:” (i) a common equity Tier 1 risk-based capital ratio of at least 6.5%, (ii) a Tier 1 risk-based capital ratio of at least 8%, (iii) a total risk-based capital ratio of at least 10% and (iv) a Tier 1 leverage ratio of 5%, and must not be subject to an order, agreement or directive mandating a specific capital level.

 

Economic Growth Act. In May 2018, the Economic Growth, Regulatory Relief, and Consumer Protection Act (the “Economic Growth Act”), was enacted to modify or eliminate certain financial reform rules and regulations, including some implemented under the Dodd-Frank Act. While the Economic Growth Act maintains most of the regulatory structure established by the Dodd-Frank Act, it amends certain aspects of the regulatory framework for small depository institutions with assets of less than $10 billion and for large banks with assets of more than $50 billion. Many of these amendments could result in meaningful regulatory changes.

 

The Economic Growth Act, among other matters, expands the definition of qualified mortgages which may be held by a financial institution and simplifies the regulatory capital rules for financial institutions and their holding companies with total consolidated assets of less than $10 billion by instructing the federal banking regulators to establish a single “Community Bank Leverage Ratio” of between 8 and 10 percent. Any qualifying depository institution or its holding company that exceeds the “Community Bank Leverage Ratio” will be considered to have met generally applicable leverage and risk-based regulatory capital requirements and any qualifying depository institution that exceeds the new ratio will be considered “well-capitalized” under the prompt corrective action rules. Effective January 1, 2020, the Community Bank Leverage Ratio was 9.0%. In April 2020, pursuant to the CARES Act, the federal bank regulatory agencies announced the issuance of two interim final rules, effective immediately, to provide temporary relief to community banking organizations.  Under the interim final rules, the Community Bank Leverage Ratio requirement is a minimum of 8% for the remainder of calendar year 2020, 8.5% for calendar year 2021, and 9% thereafter.  The Company and the Bank have chosen to not utilize the new Community Bank Leverage Ratio, due to the Company’s size and complexity, including its commercial real estate and construction lending concentrations and significant off-balance sheet funding commitments.  

 

In addition, the Economic Growth Act includes regulatory relief in the areas of examination cycles, call reports, mortgage disclosures and risk weights for certain high-risk commercial real estate loans.

 

It is difficult at this time to predict when or how any new standards under the Economic Growth Act will ultimately be applied to us or what specific impact the Economic Growth Act and the forthcoming implementing rules and regulations will have on us.

 

Business Initiatives

 

The banking center network continues to evolve. In early April 2020, the Company was notified by its landlord that the Great Southern banking centers located inside the Hy-Vee stores at 2900 Devils Glen Rd in Bettendorf, Iowa, and 2351 W. Locust St. in Davenport, Iowa, must permanently cease operations due to store infrastructure changes. These offices have been closed to the public since late March 2020 due to the COVID-19 pandemic. Bank customers were previously informed and the Hy-Vee banking centers were permanently closed on July 21, 2020, with customer accounts transferring to nearby offices. Great Southern now operates three banking centers in the Quad Cities market area – two in Davenport and one in Bettendorf.   

 

During the second quarter 2020, remodeling of the downtown office at 1900 Main in Parsons, Kansas, continued, which includes the addition of drive-thru banking lanes. Remodeling is expected to be completed in mid-August, whereupon the nearby drive-thru facility will be consolidated into the downtown office, leaving one location serving the Parsons market.  

 

In June 2020, the Company completed the public offering and sale of $75 million of its 5.50% Fixed-to-Floating Rate Subordinated Notes due June 15, 2030. The Notes were sold at par, resulting in net proceeds, after


 

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underwriting discounts, commissions and other expenses, of approximately $73.5 million. The Notes are intended to qualify as Tier 2 capital for regulatory purposes. The Company intends to use the net proceeds of the offering for general corporate purposes, which may include repayment or redemption of outstanding indebtedness, the payment of dividends, providing capital to support its organic growth or growth through strategic acquisitions, capital expenditures, financing investments, repurchasing shares of its common stock and for investments in the Bank as regulatory capital.

 

On June 17, 2020, the Company announced that Douglas Marrs, Vice President and Director of Operations of the Bank and Secretary of the Company, intends to retire in June 2021.  Mr. Marrs is primarily responsible for general bank operations and facilities management.  He announced his intention to retire well in advance to assure an orderly leadership transition over the next year. With more than 40 years in the banking industry, Mr. Marrs joined Great Southern in 1996. He has been an integral part of the Bank’s growth and success for the last 24 years. During that time period, the Bank has grown from approximately $700 million in assets with operations primarily in the southwest Missouri region, to approximately $5.6 billion in assets and offices in 11 states, as of June 30, 2020.

 

Great Southern Bank has been recognized as part of Forbes’ annual list of the World’s Best Banks 2020. Great Southern was ranked as the sixth best bank in the United States. The World’s Best Banks list is comprised of the financial institutions that differentiate their services and build trustworthy relationships with their customers. 450 banks around the world are featured on the list, which was announced online on May 14, 2020, and can currently be viewed on the Forbes website. The study involved 40,000 bank customers from 23 countries to rate banks they are involved with on general satisfaction and key attributes like trust, fees, digital services and financial advice.

 

Comparison of Financial Condition at June 30, 2020 and December 31, 2019

 

During the six months ended June 30, 2020, the Company’s total assets increased by $551.6 million to $5.57 billion.  The increase was primarily attributable to an increase in loans receivable, available-for-sale investment securities, and cash equivalents.

 

Cash and cash equivalents were $473.6 million at June 30, 2020, an increase of $253.4 million, or 115.1%, from $220.2 million at December 31, 2019. This increase was primarily related to excess funds held at the Federal Reserve Bank after repayment of FHLBank overnight borrowings.

 

The Company's available-for-sale securities increased $72.7 million, or 19.4%, compared to December 31, 2019.  The increase was primarily due to the purchase of FNMA and GNMA fixed-rate multi-family mortgage-backed securities and short-term municipal securities, partially offset by calls of municipal securities and normal monthly payments received related to the portfolio of mortgage-backed securities.  The available-for-sale securities portfolio was 8.0% and 7.5% of total assets at June 30, 2020 and December 31, 2019, respectively.

 

Net loans increased $245.7 million from December 31, 2019, to $4.40 billion at June 30, 2020.  Excluding FDIC-assisted acquired loans and mortgage loans held for sale, total gross loans (including the undisbursed portion of loans) increased $241.0 million, or 4.9%, from December 31, 2019 to June 30, 2020. This increase was primarily in other residential (multi-family) loans ($158.6 million), commercial business loans ($128.1 million), and one- to four-family residential loans ($76.5 million).  These increases were partially offset by decreases in construction loans ($115.4 million) and consumer auto loans ($37.9 million).   

 

Total liabilities increased $527.9 million, from $4.41 billion at December 31, 2019 to $4.94 billion at June 30, 2020.  The increase was primarily attributable to an increase in deposits, securities sold under reverse repurchase agreements and subordinated notes, primarily offset by a decrease in short term borrowings.

 

Total deposits increased $552.1 million, or 13.9%, to $4.51 billion at June 30, 2020.  Transaction account balances increased $566.0 million to $2.81 billion at June 30, 2020, while retail certificates of deposit decreased $50.1 million compared to December 31, 2019, to $1.30 billion at June 30, 2020.  The increase in transaction accounts was primarily a result of increases in NOW deposit accounts, money market accounts and Insured Cash Sweep (ICS) reciprocal accounts.  Retail certificates of deposit decreased due to a net decrease in retail certificates generated through the banking center network, partially offset by increases in customer deposits in the CDARS reciprocal program.  Customer deposits at June 30, 2020 and December 31, 2019 totaling $51.6 million and $35.3 million,


 

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respectively, were part of the CDARS program, which allows customers to maintain balances in an insured manner that would otherwise exceed the FDIC deposit insurance limit. Brokered deposits, including CDARS program purchased funds, were $407.8 million at June 30, 2020, an increase of $36.1 million from $371.7 million at December 31, 2019.      

 

The Company had no FHLBank advances outstanding at both June 30, 2020 and December 31, 2019.  At December 31, 2019, there were no borrowings from the FHLBank other than overnight advances, which are included in the short term borrowings category.  There were no borrowings from FHLBank outstanding at June 30, 2020.

 

Short term borrowings and other interest-bearing liabilities decreased $226.9 million from $228.2 million at December 31, 2019 to $1.3 million at June 30, 2020.  Short term borrowings at June 30, 2020 and December 31, 2019, included overnight FHLBank borrowings of $-0- million and $196.0 million, respectively. The Company utilizes both overnight borrowings and short term FHLBank advances depending on relative interest rates.

 

Securities sold under reverse repurchase agreements with customers increased $107.5 million from $84.2 million at December 31, 2019 to $191.6 million at June 30, 2020.  These balances fluctuate over time based on customer demand for this product. 

 

Subordinated notes increased $73.8 million from $74.2 million at December 31, 2019 to $148.0 million at June 30, 2020.  The Company issued $75.0 million of subordinated notes in June 2020, receiving net proceeds of $73.5 million.

 

Total stockholders' equity increased $23.6 million from $603.1 million at December 31, 2019 to $626.7 million at June 30, 2020.  The Company recorded net income of $28.1 million for the six months ended June 30, 2020.   Accumulated other comprehensive income increased $26.8 million due to increases in the fair value of available-for-sale investment securities and the termination value of the cash flow hedge.  In addition, total stockholders’ equity increased $817,000 due to stock option exercises. These increases were partially offset by dividends declared on common stock of $23.8 million and repurchases of the Company’s common stock totaling $8.1 million.

 

Results of Operations and Comparison for the Three and Six Months Ended June 30, 2020 and 2019

 

General

 

Net income was $13.2 million for the three months ended June 30, 2020 compared to $18.4 million for the three months ended June 30, 2019.  This decrease of $5.2 million, or 28.1%, was primarily due to an increase in provision for loan losses of $4.4 million, or 275.0%, a decrease in net interest income of $1.5 million or 3.3%, and an increase in noninterest expense of $966,000, or 3.4%, partially offset by an increase in noninterest income of $1.1 million, or 15.4%, and a decrease in income tax expense of $556,000, or 14.9%.  

 

Net income was $28.1 million for the six months ended June 30, 2020 compared to $36.0 million for the six months ended June 30, 2019.  This decrease of $7.9 million, or 22.0%, was primarily due to an increase in provision for loan losses of $6.3 million, or 178.1%, an increase in noninterest expense of $3.3 million, or 5.8%, and a decrease in net interest income of $1.1 million, or 1.3%, partially offset by a decrease in income tax expense of $1.8 million, or 23.4%, and an increase in noninterest income of $1.0 million, or 7.0%.

 

Total Interest Income

 

Total interest income decreased $4.7 million, or 8.0%, during the three months ended June 30, 2020 compared to the three months ended June 30, 2019.  The decrease was due to a $4.9 million decrease in interest income on loans, partially offset by an increase in interest income on investments and other interest-earning assets of $211,000.  Interest income on loans decreased for the three months ended June 30, 2020 compared to the same period in 2019, due to lower average rates of interest on loans, partially offset by higher average balances.  Interest income from investment securities and other interest-earning assets increased during the three months ended June 30, 2020 compared to the same period in 2019 primarily due to higher average balances of investment securities and other interest-earning assets, significantly offset by lower average rates of interest.


 

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Total interest income decreased $4.6 million, or 4.0%, during the six months ended June 30, 2020 compared to the six months ended June 30, 2019.  The decrease was due to a $5.3 million decrease in interest income on loans, partially offset by a $753,000 increase in interest income on investments and other interest-earning assets. Interest income on loans decreased for the six months ended June 30, 2020 compared to the same period in 2019, due to lower average rates of interest on loans, partially offset by higher average balances.  Interest income from investment securities and other interest-earning assets increased during the six months ended June 30, 2020 compared to the same period in 2019 primarily due to higher average balances of investment securities and other interest-earning assets, significantly offset by lower average rates of interest.

 

Interest Income – Loans

 

During the three months ended June 30, 2020 compared to the three months ended June 30, 2019, interest income on loans decreased $8.2 million as a result of lower average interest rates on loans.  The average yield on loans decreased from 5.40% during the three months ended June 30, 2019, to 4.64% during the three months ended June 30, 2020.  This decrease was primarily due to decreased yields in most loan categories as a result of decreased LIBOR and Federal Funds interest rates.  In addition in the 2020 period, the Company originated $120 million of PPP loans, which have a much lower yield compared to the overall loan portfolio. Interest income on loans increased $3.3 million as the result of higher average loan balances, which increased from $4.14 billion during the three months ended June 30, 2019, to $4.40 billion during the three months ended June 30, 2020.  The higher average balances were primarily due to organic loan growth in commercial business loans (including the PPP loans), other residential (multi-family), and one- to four-family residential loans, partially offset by decreases in outstanding construction and consumer loans.

 

During the six months ended June 30, 2020 compared to the six months ended June 30, 2019, interest income on loans decreased $10.8 million as a result of lower average interest rates on loans.  The average yield on loans decreased from 5.41% during the six months ended June 30, 2019, to 4.89% during the six months ended June 30, 2020.  This decrease was primarily due to decreased yields in most loan categories as a result of decreased LIBOR and Federal Funds interest rates during the six months ended June 30, 2020. This decrease also includes PPP loans, which have a much lower yields compared to the overall loan portfolio.  Interest income on loans increased $5.4 million as the result of higher average loan balances, which increased from $4.11 billion during the six months ended June 30, 2019, to $4.31 billion during the six months ended June 30, 2020.  The higher average balances were primarily due to organic loan growth in commercial business loans (including the PPP loans), other residential (multi-family), and one- to four-family residential loans, partially offset by decreases in outstanding construction and consumer loans.

 

On an on-going basis, the Company has estimated the cash flows expected to be collected from the acquired loan pools. For each of the loan portfolios acquired, the cash flow estimates have increased, based on the payment histories and the collection of certain loans, thereby reducing loss expectations of certain loan pools, resulting in adjustments to be spread on a level-yield basis over the remaining expected lives of the loan pools.  For the three months ended June 30, 2020 and 2019, the adjustments increased interest income by $1.5 million and $1.4 million, respectively. For the six months ended June 30, 2020 and 2019, the adjustments increased interest income by $3.4 million and $2.9 million, respectively.  

 

As of June 30, 2020, the remaining accretable yield adjustment that will affect interest income was $4.2 million.  Of the remaining adjustments affecting interest income, we expect to recognize $2.2 million of interest income during the remainder of 2020.  Apart from the yield accretion, the average yield on loans was 4.50% during the three months ended June 30, 2020, compared to 5.27% during the three months ended June 30, 2019, as a result of lower current market rates on adjustable rate loans and new loans originated during the year. Apart from the yield accretion, the average yield on loans was 4.73% during the six months ended June 30, 2020, compared to 5.27% during the six months ended June 30, 2019.

 

In October 2018, the Company entered into an interest rate swap transaction as part of its ongoing interest rate management strategies to hedge the risk of its floating rate loans.  The notional amount of the swap was $400 million with a contractual termination date in October 2025.  Under the terms of the swap, the Company received a fixed rate of interest of 3.018% and paid a floating rate of interest equal to one-month USD-LIBOR.  The floating rate reset monthly and net settlements of interest due to/from the counterparty also occurred monthly.  To the extent


 

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that the fixed rate exceeded one-month USD-LIBOR, the Company received net interest settlements, which were recorded as interest income on loans.  If one-month USD-LIBOR exceeded the fixed rate of interest, the Company was required to pay net settlements to the counterparty and record those net payments as a reduction of interest income on loans. The Company recorded interest income related to the swap of $2.0 million and $3.6 million, respectively, in the three and six months ended June 30, 2020.  The Company recorded interest income related to the swap of $568,000 and $1.1 million, respectively, in the three and six months ended June 30, 2019.

 

On March 2, 2020, the Company and its swap counterparty mutually agreed to terminate the swap, effective immediately.  The Company received a payment of $45.9 million, including accrued but unpaid interest, from its swap counterparty as a result of this termination.  This $45.9 million, less the accrued interest portion and net of deferred income taxes, is reflected in the Company’s stockholders’ equity as Accumulated Other Comprehensive Income and a portion of it will be accreted to interest income on loans monthly through the original contractual termination date of October 6, 2025. This will have the effect of reducing Accumulated Other Comprehensive Income and increasing Interest Income and Retained Earnings over the period. In each quarterly period, commencing with the quarter ended June 30, 2020, until the original termination date, the Company expects to record loan interest income related to this swap transaction of approximately $2.0 million, based on the termination values of the swap.  

 

Interest Income – Investments and Other Interest-earning Assets

 

Interest income on investments increased $667,000 in the three months ended June 30, 2020 compared to the three months ended June 30, 2019.  Interest income increased $893,000 as a result of an increase in average balances from $309.2 million during the three months ended June 30, 2019, to $433.4 million during the three months ended June 30, 2020.  Average balances of securities increased primarily due to purchases of agency multi-family mortgage-backed securities which have a fixed rate of interest with expected lives of six to twelve years.  These purchased securities fit with the Company’s current asset/liability management strategies. Interest income decreased $226,000 as a result of lower average interest rates from 3.13% during the three months ended June 30, 2019, to 2.86% during the three month period ended June 30, 2020.  

 

Interest income on investments increased in the six months ended June 30, 2020 compared to the six months ended June 30, 2019.  Interest income increased $1.8 million as a result of an increase in average balances from $293.9 million during the six months ended June 30, 2019, to $409.2 million during the six months ended June 30, 2020.  Average balances of securities increased primarily due to purchases of agency multi-family mortgage-backed securities which have a fixed rate of interest with expected lives of six to twelve years.  As noted above, these purchased securities fit with the Company’s current asset/liability management strategies. Interest income decreased $261,000 as a result of lower average interest rates from 3.20% during the six months ended June 30, 2019, to 3.03% during the six month period ended June 30, 2020.  

 

Interest income on other interest-earning assets decreased $456,000 in the three months ended June 30, 2020 compared to the three months ended June 30, 2019.  Interest income decreased $875,000, primarily as a result of the decrease in average interest rates to 0.10% during the three months ended June 30, 2020 compared to 2.45% during the three months ended June 30, 2019.  Market interest rates earned on balances held at the Federal Reserve Bank were significantly lower in the 2020 period due to significant reductions in the federal funds rate of interest. Partially offsetting this decrease, interest income increased $419,000, primarily as a result of the increase in average balances from $88.0 million during the three months ended June 30, 2019, to $321.4 million during the three months ended June 30, 2020. Excess liquidity, after repayments of FHLBank borrowings, was maintained at the Federal Reserve Bank as a result of the significant increase in deposits during the six months ended June 30, 2020.

 

Interest income on other interest-earning assets decreased $746,000 in the six months ended June 30, 2020 compared to the six months ended June 30, 2019.  Interest income decreased $1.4 million, primarily as a result of the decrease in average interest rates to 0.33% during the six months ended June 30, 2020 compared to 2.41% during the six months ended June 30, 2019.  Market interest rates earned on balances held at the Federal Reserve Bank were significantly lower in the 2020 period due to significant reductions in the federal funds rate of interest. Partially offsetting this decrease, interest income increased $672,000, primarily as a result of the increase in average balances from $91.2 million during the six months ended June 30, 2019, to $205.8 million during the six months ended June 30, 2020.


 

58



Total Interest Expense

 

Total interest expense decreased $3.2 million, or 23.5%, during the three months ended June 30, 2020, when compared with the three months ended June 30, 2019, due to a decrease in interest expense on deposits of $2.5 million, or 21.9%, a decrease in interest expense on short-term borrowings and repurchase agreements of $849,000, or 98.8%, and a decrease in interest expense on subordinated debentures issued to capital trust of $100,000, or 37.5%, partially offset by an increase in interest expense on subordinated notes of $244,000, or 22.3%.

 

Total interest expense decreased $3.5 million, or 13.0%, during the six months ended June 30, 2020, when compared with the six months ended June 30, 2019, due to a decrease in interest expense on deposits of $2.4 million, or 11.0%, a decrease in interest expense on short-term borrowings and repurchase agreements of $1.1 million, or 63.0%, and a decrease in interest expense on subordinated debentures issued to capital trust of $151,000, or 28.3%, partially offset by an increase in interest expense on subordinated notes of $243,000, or 11.1%.

 

Interest Expense – Deposits

 

Interest expense on demand deposits decreased $453,000 due to average rates of interest that decreased from 0.52% in the three months ended June 30, 2019 to 0.41% in the three months ended June 30, 2020.  Partially offsetting this decrease, interest expense on demand deposits increased $385,000, due to an increase in average balances from $1.50 billion during the three months ended June 30, 2019 to $1.84 billion during the three months ended June 30, 2020.  The Company experienced increased balances in ICS reciprocal balances, money market accounts and certain types of NOW accounts.

 

Interest expense on demand deposits increased $533,000 due to an increase in average balances from $1.49 billion for the six months ended June 30, 2019 to $1.71 billion for the six months ended June 30, 2020. Partially offsetting this increase, interest expense on demand deposits decreased $247,000 due to average rates of interest that decreased from 0.50% in the six months ended June 30, 2019 compared to 0.47% in the six months ended June 30, 2020.

 

Interest expense on time deposits decreased $2.8 million as a result of a decrease in average rates of interest from 2.23% during the three months ended June 30, 2019, to 1.61% during the three months ended June 30, 2020.  Interest expense on time deposits increased $300,000 due to an increase in average balances of time deposits from $1.73 billion during the three months ended June 30, 2019 to $1.79 billion in the three months ended June 30, 2020.  A large portion of the Company’s certificate of deposit portfolio matures within six to eighteen months and therefore reprices fairly quickly; this is consistent with the portfolio over the past several years.  Older certificates of deposit that renewed or were replaced with new deposits generally resulted in the Company paying a lower rate of interest due to market interest rate decreases during the latter portion of 2019 and through the first half of 2020.  In the three months ended June 30, 2020, the increase in average balances of time deposits was a result of increases in both retail customer time deposits obtained through on-line channels and brokered deposits, which were mainly added in the three months ended March 31, 2020.  

 

Interest expense on time deposits decreased $3.2 million as a result of a decrease in average rates of interest from 2.17% during the six months ended June 30, 2019, to 1.80% during the six months ended June 30, 2020.  Interest expense on time deposits increased $514,000 due to an increase in average balances of time deposits from $1.70 billion during the six months ended June 30, 2019 to $1.75 billion in the six months ended June 30, 2020.  A large portion of the Company’s certificate of deposit portfolio matures within six to eighteen months and therefore reprices fairly quickly; this is consistent with the portfolio over the past several years.  Older certificates of deposit that renewed or were replaced with new deposits generally resulted in the Company paying a lower rate of interest due to market interest rate decreases during the latter portion of 2019 and through the first half of 2020.  In the six months ended June 30, 2020, the increase in average balances of time deposits was a result of increases in retail customer time deposits obtained through on-line channels and increases in brokered deposits including those added through the CDARS program purchased funds.  

 

Interest Expense – FHLBank Advances, Short-term Borrowings and Repurchase Agreements, Subordinated Debentures Issued to Capital Trusts and Subordinated Notes


 

59



FHLBank advances were not utilized during the three months ended June 30, 2020 and 2019.  Overnight borrowings from the FHLBank were utilized during the three and six months ended June 30, 2019 and are included in short-term borrowings.

 

Interest expense on short-term borrowings and repurchase agreements decreased $632,000 due to a decrease in average rates from 1.41% in the three months ended June 30, 2019 to 0.03% in the three months ended June 30, 2020.  The decrease was due to a decrease in market interest rates during the period and the lower interest rate charged on overnight FHLBank borrowings.  Interest expense on short-term borrowings and repurchase agreements also decreased $217,000 due to a decrease in average balances from $244.6 million during the three months ended June 30, 2019 to $162.3 million during the three months ended June 30, 2020, which was primarily due to changes in the Company’s funding needs and the mix of funding, which can fluctuate.   

 

Interest expense on short-term borrowings and repurchase agreements decreased $886,000 due to a decrease in average rates from 1.43% in the six months ended June 30, 2019 to 0.62% in the six months ended June 30, 2020.  The decrease was due to a decrease in market interest rates during the period and the lower interest rate charged on overnight FHLBank borrowings.  Interest expense on short-term borrowings and repurchase agreements also decreased $235,000 due to a decrease in average balances from $251.3 million during the six months ended June 30, 2019 to $213.7 million during the six months ended June 30, 2020, which was primarily due to changes in the Company’s funding needs and the mix of funding, which can fluctuate.   

 

During the three months ended June 30, 2020, compared to the three months ended June 30, 2019, interest expense on subordinated debentures issued to capital trusts decreased $100,000 due to lower average interest rates.  The average interest rate was 4.16% in the three months ended June 30, 2019 compared to 2.60% in the three months ended June 30, 2020.  The subordinated debentures are variable-rate debentures which bear interest at an average rate of three-month LIBOR plus 1.60%, adjusting quarterly, which was 2.29% at June 30, 2020.  There was no change in the average balance of the subordinated debentures between the 2020 and the 2019 periods.  

 

During the six months ended June 30, 2020, compared to the six months ended June 30, 2019, interest expense on subordinated debentures issued to capital trusts decreased $151,000 due to lower average interest rates.  The average interest rate was 4.18% in the six months ended June 30, 2019 compared to 2.99% in the six months ended June 30, 2020.  There was no change in the average balance of the subordinated debentures between the 2020 and the 2019 periods.  

 

In August 2016, the Company issued $75.0 million of 5.25% fixed-to-floating rate subordinated notes due August 15, 2026.  The notes were sold at par, resulting in net proceeds, after underwriting discounts and commissions and other issuance costs, of approximately $73.5 million. In June 2020, the Company issued $75.0 million of 5.50% fixed-to-floating rate subordinated notes due June 15, 2030.  The notes were sold at par, resulting in net proceeds, after underwriting discounts and commissions and other issuance costs, of approximately $73.5 million. In both cases, these issuance costs are amortized over the expected life of the notes, which is five years from the issuance date, and therefore impact the overall interest expense on the notes. During the three months ended June 30, 2020, compared to the three months ended June 30, 2019, interest expense on subordinated notes increased $244,000 primarily due to the higher average balances due to the issuance of new notes in the three months ended June 30, 2020.  The increase of $243,000 in the six-month period was for the same reason as stated for the three-month period.

 

Net Interest Income

 

Net interest income for the three months ended June 30, 2020 decreased $1.4 million to $43.5 million compared to $44.9 million for the three months ended June 30, 2019.  Net interest margin was 3.39% in the three months ended June 30, 2020, compared to 3.97% in the three months ended June 30, 2019, a decrease of 58 basis points, or 14.6%.  In both three month periods, the Company’s net interest income and margin were positively impacted by the increases in expected cash flows from the FDIC-assisted acquired loan pools and the resulting increase to accretable yield, which were previously discussed in Note 7 of the Notes to Consolidated Financial Statements.  The positive impact of these changes in the three months ended June 30, 2020 and 2019 were increases in interest income of $1.5 million and $1.4 million, respectively, and increases in net interest margin of 12 basis points and 12 basis points, respectively.  Excluding the positive impact of the additional yield accretion, in the three months ended June 30,


 

60



2020, net interest margin decreased 58 basis points when compared to the year-ago three month period.  The decrease was partially due to lower market interest rates, which caused lower LIBOR interest rates and generally resulted in lower yields on loans and other interest-earning assets. The margin decrease also resulted from an increase in average interest-earning assets that were primarily at rates that were much lower than the current portfolio rates.  Increases included $260 million in loans ($120 million of which were PPP loans), $230 million of interest-earning cash equivalents and $125 million of investment securities. In addition, the subordinated notes issued in June 2020 reduced net interest income by approximately $244,000 in the second quarter of 2020.  

 

Net interest income for the six months ended June 30, 2020 decreased $1.1 million to $88.4 million compared to $89.5 million for the six months ended June 30, 2019.  Net interest margin was 3.61% in the six months ended June 30, 2020, compared to 4.02% in the six months ended June 30, 2019, a decrease of 41 basis points, or 10.2%.  In both six month periods, the Company’s net interest income and margin were positively impacted by the increases in expected cash flows from the FDIC-assisted acquired loan pools and the resulting increase to accretable yield, which were previously discussed in Note 7 of the Notes to Consolidated Financial Statements.  The positive impact of these changes in the six months ended June 30, 2020 and 2019 were increases in interest income of $3.4 million and $2.9 million, respectively, and increases in net interest margin of 14 basis points and 13 basis points, respectively.  Excluding the positive impact of the additional yield accretion, in the six months ended June 30, 2020, net interest margin decreased 42 basis points when compared to the year-ago six month period.  The decrease was partially due to lower market interest rates, which caused lower LIBOR interest rates and generally resulted in lower yields on loans and other interest-earning assets. The margin decrease also resulted from an increase in average interest-earning assets that were primarily at rates that were much lower than the current portfolio rates, as described above.

 

The Company's overall average interest rate spread decreased 52 basis points, or 14.3%, from 3.64% during the three months ended June 30, 2019 to 3.12% during the three months ended June 30, 2020.  The decrease was due to a 98 basis point decrease in the weighted average yield on interest-earning assets, partially offset by a 46 basis point decrease in the weighted average rate paid on interest-bearing liabilities. In comparing the two periods, the yield on loans decreased 76 basis points, the yield on investment securities decreased 27 basis points and the yield on other interest-earning assets decreased 235 basis points. The rate paid on deposits decreased 44 basis points, the rate paid on short-term borrowings and repurchase agreements decreased 138 basis points, the rate paid on subordinated debentures issued to capital trusts decreased 156 basis points, and the rate paid on subordinated notes increased six basis points.

 

The Company's overall average interest rate spread decreased 37 basis points, or 10.0%, from 3.69% during the six months ended June 30, 2019 to 3.32% during the six months ended June 30, 2020.  The decrease was due to a 66 basis point decrease in the weighted average yield on interest-earning assets, partially offset by a 29 basis point decrease in the weighted average rate paid on interest-bearing liabilities. In comparing the two periods, the yield on loans decreased 52 basis points, the yield on investment securities decreased 17 basis points and the yield on other interest-earning assets decreased 208 basis points. The rate paid on deposits decreased 25 basis points, the rate paid on short-term borrowings and repurchase agreements decreased 81 basis points, the rate paid on subordinated debentures issued to capital trusts decreased 119 basis points, and the rate paid on subordinated notes decreased one basis point.

 

For additional information on net interest income components, refer to the "Average Balances, Interest Rates and Yields" tables in this Quarterly Report on Form 10-Q.

 

Provision for Loan Losses and Allowance for Loan Losses

 

In the first quarter of 2020, pursuant to the recently-enacted CARES Act and guidance from the SEC and FASB, we elected to delay adoption of the new accounting standard (CECL) related to accounting for credit losses.  Our financial statements for the three and six months ended June 30, 2020, are prepared under the existing incurred loss methodology standard for accounting for loan losses.

 

Management records a provision for loan losses in an amount it believes is sufficient to result in an allowance for loan losses that will cover current net charge-offs as well as risks believed to be inherent in the loan portfolio of the Bank. The amount of provision charged against current income is based on several factors, including, but not limited to, past loss experience, current portfolio mix, actual and potential losses identified in the loan portfolio, economic


 

61



conditions, and internal as well as external reviews.  The levels of non-performing assets, potential problem loans, loan loss provisions and net charge-offs fluctuate from period to period and are difficult to predict.

 

Worsening economic conditions from the COVID-19 pandemic, higher inflation or interest rates, or other factors may lead to increased losses in the portfolio and/or requirements for an increase in loan loss provision expense. Management maintains various controls in an attempt to limit future losses, such as a watch list of possible problem loans, documented loan administration policies and loan review staff to review the quality and anticipated collectability of the portfolio. Additional procedures provide for frequent management review of the loan portfolio based on loan size, loan type, delinquencies, financial analysis, on-going correspondence with borrowers and problem loan work-outs. Management determines which loans are potentially uncollectible, or represent a greater risk of loss, and makes additional provisions to expense, if necessary, to maintain the allowance at a satisfactory level.

 

The provision for loan losses for the three months ended June 30, 2020 was $6.0 million compared with $1.6 million for the three months ended June 30, 2019. The provision for loan losses for the six months ended June 30, 2020 was $9.9 million compared with $3.6 million for the six months ended June 30, 2019. Total net charge-offs were $127,000 and $997,000 for the three months ended June 30, 2020 and 2019, respectively.  During the three months ended June 30, 2020, $115,000 of the $127,000 of net charge-offs were in the consumer category. Total net charge-offs were $365,000 and $2.7 million for the six months ended June 30, 2020 and 2019, respectively. During the six months ended June 30, 2020, $382,000 of the $365,000 of net charge-offs were in the consumer category. The Company experienced net recoveries in some of the other loan categories. We have seen and expect to continue to see rapid reductions in the automobile loan outstanding balance as we determined in February 2019 to cease providing indirect lending services to automobile dealerships.  At June 30, 2020, indirect automobile loans totaled approximately $74 million.  We expect this balance will be largely paid off in the next two years. General market conditions and unique circumstances related to individual borrowers and projects contributed to the level of provisions and charge-offs.  Collateral and repayment evaluations of all assets categorized as potential problem loans, non-performing loans or foreclosed assets were completed with corresponding charge-offs or reserve allocations made as appropriate.   

 

All FDIC-acquired loans were grouped into pools based on common characteristics and were recorded at their estimated fair values, which incorporated estimated credit losses at the acquisition date.  These loan pools have been systematically reviewed by the Company to determine the risk of losses that may exceed those identified at the time of the acquisition.  Techniques used in determining risk of loss are similar to those used to determine the risk of loss for the legacy Great Southern Bank portfolio, with most focus being placed on those loan pools which include the larger loan relationships and those loan pools which exhibit higher risk characteristics.  Review of the acquired loan portfolio also includes review of financial information, collateral valuations and customer interaction to determine if additional reserves are warranted.

 

The Bank’s allowance for loan losses as a percentage of total loans, excluding FDIC-assisted acquired loans, was 1.14% and 1.00% at June 30, 2020 and December 31, 2019, respectively.  Management considers the allowance for loan losses adequate to cover losses inherent in the Bank’s loan portfolio at June 30, 2020, based on recent reviews of the Bank’s loan portfolio and current economic conditions. If economic conditions were to deteriorate further or management’s assessment of the loan portfolio were to change, it is expected that additional loan loss provisions would be required, thereby adversely affecting the Company’s future results of operations and financial condition.

 

Non-performing Assets

 

Non-performing assets acquired through FDIC-assisted transactions, including foreclosed assets and potential problem loans, are not included in the totals or in the discussion of non-performing loans, potential problem loans and foreclosed assets below.  These assets were initially recorded at their estimated fair values as of their acquisition dates and are accounted for in pools.  Therefore, these loan pools are analyzed rather than the individual loans. The overall performance of the loan pools acquired in each of the five FDIC-assisted transactions has been better than original expectations as of the acquisition dates.  

 

As a result of changes in balances and composition of the loan portfolio, changes in economic and market conditions and other factors specific to a borrower’s circumstances, the level of non-performing assets will fluctuate.  


 

62



Non-performing assets, excluding all FDIC-assisted acquired assets, at June 30, 2020 were $7.6 million, a decrease of $542,000 from $8.2 million at December 31, 2019.  Non-performing assets, excluding all FDIC-assisted acquired assets, as a percentage of total assets were 0.14% at June 30, 2020 and 0.16% at December 31, 2019.  

 

Compared to December 31, 2019, non-performing loans increased $770,000 to $5.3 million at June 30, 2020, and foreclosed assets decreased $1.3 million to $2.3 million at June 30, 2020.  Non-performing one- to four-family residential loans comprised $2.4 million, or 45.2%, of the total non-performing loans at June 30, 2020, an increase of $911,000 from December 31, 2019. Non-performing commercial business loans comprised $1.2 million, or 22.3%, of the total non-performing loans at June 30, 2020, a decrease of $53,000 from December 31, 2019.  Non-performing consumer loans comprised $1.0 million, or 18.8%, of the total non-performing loans at June 30, 2020, a decrease of $183,000 from December 31, 2019.  Non-performing commercial real estate loans comprised $727,000, or 13.7%, of the total non-performing loans at June 30, 2020, an increase of $95,000 from December 31, 2019.   

 

Non-performing Loans.  Activity in the non-performing loans category during the six months ended June 30, 2020 was as follows:

 

 

 

 

Beginning
Balance,
January 1

 

 

Additions
to Non-
Performing

 

 

Removed
from Non-
Performing

 

 

Transfers to
Potential
Problem
Loans

 

 

Transfers to
Foreclosed
Assets and
Repossessions

 

 

Charge-
Offs

 

 

Payments

 

 

Ending
Balance,
June 30

 

 

(In Thousands)

One- to four-family
construction

$

 

$

 

$

 

$

 

$

— 

 

$

— 

 

$

— 

 

$

Subdivision
construction

 

 

 

 

 

 

 

 

 

— 

 

 

— 

 

 

— 

 

 

Land development

 

 

 

 

 

 

 

 

 

— 

 

 

— 

 

 

— 

 

 

Commercial
construction

 

 

 

 

 

 

 

 

 

— 

 

 

— 

 

 

— 

 

 

One- to four-family
residential

 

1,477

 

 

1,104

 

 

 

 

 

 

— 

 

 

— 

 

 

(193)

 

 

2,388

Other residential

 

 

 

 

 

 

 

 

 

— 

 

 

— 

 

 

— 

 

 

Commercial real
estate

 

632

 

 

107

 

 

 

 

 

 

— 

 

 

— 

 

 

(12)

 

 

727

Commercial business

 

1,235

 

 

 

 

 

 

 

 

— 

 

 

— 

 

 

(53)

 

 

1,182

Consumer

 

1,175

 

 

276

 

 

 

 

 

 

(72)

 

 

(148)

 

 

(239)

 

 

992

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

4,519

 

$

1,487

 

$

 

$

 

$

(72)

 

$

(148)

 

$

(497)

 

$

5,289

 

 

At June 30, 2020, the non-performing commercial business category included three loans, none of which were added during 2020.  The largest relationship in this category, which was added during 2018, totaled $1.0 million, or 87.5% of the total category.  This relationship is collateralized by an assignment of an interest in a real estate project.  The non-performing one- to four-family residential category included 35 loans, 13 of which were added during the six months ended June 30, 2020.  The largest relationship in the category totaled $276,000, or 11.5% of the total category.  The non-performing commercial real estate category included three loans, one of which was added during the six months ended June 30, 2020.  The largest relationship in the category totaled $530,000, or 72.9% of the total category, and is primarily related to a multi-tenant building in Arkansas.  The non-performing consumer category included 94 loans, 24 of which were added during the six months ended June 30, 2020, and the majority of which are indirect used automobile loans.

 

Potential Problem Loans.  Compared to December 31, 2019, potential problem loans decreased $387,000, or 8.8%, to $4.0 million at June 30, 2020.  This decrease was primarily due to payments of $377,000 on potential problem loans, $119,000 in loans transferred to non-performing loans, $52,000 in loans transferred to foreclosed assets and repossessions, and $70,000 in loan write-downs, partially offset by $231,000 in loans added to potential problem loans. Potential problem loans are loans which management has identified through routine internal review procedures as having possible credit problems that may cause the borrowers difficulty in complying with the current repayment terms.  These loans are not reflected in non-performing assets, but are considered in determining the adequacy of the allowance for loan losses.  


 

63



Due to the deteriorating economic conditions from COVID-19, it is possible that we could experience an increase in potential problem loans in the remainder of 2020.  As noted, we experienced an increased level of loan modifications in late March through June 2020.  In accordance with the CARES Act and guidance from the banking regulatory agencies, we made certain short-term modifications to loan terms to help our customers navigate through the current pandemic situation.  Although loan modifications were made, they did not result in these loans being classified as troubled debt restructurings, potential problem loans or non-performing loans.  If more severe or lengthier negative impacts of the COVID-19 pandemic occur or the effects of the SBA loan programs and other loan and stimulus programs do not enable companies and individuals to completely recover financially, this could result in longer-term modifications, which may be deemed to be troubled debt restructurings, additional potential problem loans and/or additional non-performing loans.  Further actions on our part, including additions to the allowance for loan losses, could result.

 

Activity in the potential problem loans categories during the six months ended June 30, 2020, was as follows:

 

 

 

 

Beginning
Balance,
January 1

 

 

Additions
to Potential
Problem

 

 

Removed
from
Potential
Problem

 

 

Transfers to
Non-
Performing

 

 

Transfers to
Foreclosed
Assets and
Repossessions

 

 

Charge-
Offs

 

 

Payments

 

 

Ending
Balance,
June 30

 

 

(In Thousands)

One- to four-family
  construction

$

 

$

 

$

 

$

— 

 

$

— 

 

$

— 

 

$

— 

 

$

Subdivision
  construction

 

 

 

24

 

 

 

 

— 

 

 

— 

 

 

— 

 

 

— 

 

 

24

Land development

 

 

 

 

 

 

 

— 

 

 

— 

 

 

— 

 

 

— 

 

 

Commercial
  construction

 

 

 

 

 

 

 

— 

 

 

— 

 

 

— 

 

 

— 

 

 

One- to four-family
   residential

 

791

 

 

 

 

 

 

(83)

 

 

— 

 

 

— 

 

 

(128)

 

 

580

Other residential

 

 

 

 

 

 

 

— 

 

 

— 

 

 

— 

 

 

— 

 

 

Commercial real
  estate

 

3,078

 

 

 

 

 

 

— 

 

 

— 

 

 

— 

 

 

(131)

 

 

2,947

Commercial
  business

 

 

 

 

 

 

 

— 

 

 

— 

 

 

— 

 

 

— 

 

 

Consumer

 

512

 

 

207

 

 

 

 

(36)

 

 

(52)

 

 

(70)

 

 

(118)

 

 

443

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

4,381

 

$

231

 

$

 

$

(119)

 

$

(52)

 

$

(70)

 

$

(377)

 

$

3,994

 

 

At June 30, 2020, the commercial real estate category of potential problem loans included two loans, neither of which was added during 2020.  The largest relationship in this category (added during 2018), which totaled $1.8 million, or 61.6% of the total category, is collateralized by a mixed use commercial retail building.  Payments were current on this relationship at June 30, 2020. The other relationship in the category (added during 2019), which totaled $1.1 million, or 38.4% of the total category, is collateralized by a commercial retail building.  Payments were also current on this relationship at June 30, 2020. The one- to four-family residential category of potential problem loans included 14 loans, none of which were added during the six months ended June 30, 2020. The consumer category of potential problem loans included 56 loans, 22 of which were added during the six months ended June 30, 2020.   

 

Other Real Estate Owned and Repossessions.  Of the total $4.4 million of other real estate owned and repossessions at June 30, 2020, $1.2 million represents the fair value of foreclosed and repossessed assets related to loans acquired in FDIC-assisted transactions and $860,000 represents properties which were not acquired through foreclosure. The foreclosed and other assets acquired in the FDIC-assisted transactions and the properties not acquired through foreclosure are not included in the following table and discussion of other real estate owned and repossessions.  


 

64



Activity in other real estate owned and repossessions during the six months ended June 30, 2020, was as follows:

 

 

 

Beginning
Balance,
January 1

 

 

Additions

 

 

Sales

 

 

Capitalized
Costs

 

 

Write-
Downs

 

 

Ending
Balance,
June 30

 

 

(In Thousands)

One- to four-family construction

$

 

$

 

$

— 

 

$

 

$

— 

 

$

Subdivision construction

 

689

 

 

 

 

(455)

 

 

126

 

 

(10)

 

 

350

Land development

 

1,816

 

 

 

 

(315)

 

 

 

 

(143)

 

 

1,358

Commercial construction

 

 

 

 

 

— 

 

 

 

 

— 

 

 

One- to four-family residential

 

601

 

 

 

 

(310)

 

 

 

 

— 

 

 

291

Other residential

 

 

 

 

 

— 

 

 

 

 

— 

 

 

Commercial real estate

 

 

 

 

 

— 

 

 

 

 

— 

 

 

Commercial business

 

 

 

 

 

— 

 

 

 

 

— 

 

 

Consumer

 

545

 

 

684

 

 

(889)

 

 

 

 

— 

 

 

340

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

3,651

 

$

684

 

$

(1,969)

 

$

126

 

$

(153)

 

$

2,339

 

At June 30, 2020, the land development category of foreclosed assets included three properties, the largest of which was located in the Branson, Mo. area and had a balance of $768,000, or 56.5% of the total category.  Of the total dollar amount in the land development category of foreclosed assets, 60.2% was located in the Branson, Mo. area, including the largest property previously mentioned. A portion of a land development property located in the Branson, Mo. area was sold during the three months ending March 31, 2020 for $315,000, which resulted in a write-down of $143,000.  The subdivision construction category of foreclosed assets included one property located in the Branson, Mo. area and had a balance of $350,000. One property in the Branson, Mo. area was sold during the three months ended March 31, 2020, which reduced the foreclosed assets balance by $69,000 and another property in the Branson, Mo. area was sold during the three months ended June 30, 2020, which reduced the foreclosed assets balance by $260,000.  The one- to four-family residential category of foreclosed assets included one property in Springfield, Mo and had a balance of $291,000.  A one- to four-family residential property located in Lake Ozark, Mo. was sold during the three months ended March 31, 2020 for $380,000, resulting in a gain of $70,000.  The amount of additions and sales in the consumer category are due to the volume of repossessions of automobiles, which generally are subject to a shorter repossession process.  The Company experienced increased levels of delinquencies and repossessions in indirect and used automobile loans throughout 2016 and 2017.  The level of delinquencies and repossessions in indirect and used automobile loans generally decreased in 2018 through 2020.    

 

Non-interest Income

 

For the three months ended June 30, 2020, non-interest income increased $1.1 million to $8.3 million when compared to the three months ended June 30, 2019, primarily as a result of the following items:

 

Net gains on loan sales:  Net gains on loan sales increased $1.5 million compared to the prior year period.  The increase was due to an increase in originations of fixed-rate loans during the 2020 period compared to the 2019 period.  Fixed rate single-family mortgage loans originated are generally subsequently sold in the secondary market.  

 

Other income:  Other income increased $667,000 compared to the prior year period. In the 2020 period, the Company recognized approximately $823,000 of fee income related to newly-originated interest rate swaps in the Company’s back-to-back swap program with loan customers and swap counterparties.   

 

Service charges and ATM fees:  Service charges and ATM fees decreased $1.2 million compared to the prior year period.  This decrease was primarily due to a decrease in overdraft and insufficient funds fees on customer accounts. This was due to both a reduction in usage by customers and a decision near the end of the first quarter of 2020 to waive certain fees for customers in response to the COVID-19 pandemic, with the effects of that decision felt primarily during the three months ended June 30, 2020.

 

For the six months ended June 30, 2020, non-interest income increased $1.0 million to $15.6 million when compared to the six months ended June 30, 2019, primarily as a result of the following items:


 

65



Net gains on loan sales:  Net gains on loan sales increased $1.8 million compared to the prior year period.  The increase was due to an increase in originations of fixed-rate loans during the 2020 period compared to the 2019 period.  As noted above, fixed rate single-family mortgage loans originated are generally subsequently sold in the secondary market.  

 

Other income:  Other income increased $894,000 compared to the prior year period. In the 2020 period, the Company recognized approximately $1.3 million of fee income related to newly-originated interest rate swaps in the Company’s back-to-back swap program with loan customers and swap counterparties.  The Company also recognized approximately $441,000 in income related to the exit of certain tax credit partnerships during the six months ended June 30, 2020. In the 2019 period, the Company recognized gains totaling $677,000 from the sale of, or recovery of, receivables and assets that were acquired several years prior in FDIC-assisted transactions, with no similar sales or recoveries in the current period.

 

Service charges and ATM fees:  Service charges and ATM fees decreased $1.4 million compared to the prior year period. This decrease was primarily due to a decrease in overdraft and insufficient funds fees on customer accounts. As noted above, a decision to waive certain fees for customers was made in response to the COVID-19 pandemic during the first quarter 2020 and customer usage decreased in the 2020 period. Also during the first quarter of 2020, $200,000 in additional expenses netted into ATM fee income during the conversion to a new debit card processing system.

 

Gain (loss) on derivative interest rate products:  The net loss on derivative interest rate products increased $446,000 compared to the net loss in the prior year period. In the 2020 period, the Company recognized a $514,000 decrease in the net fair value related to interest rate swaps in the Company’s back-to-back swap program with loan customers and swap counterparties.  As market interest rates fall this generally decreases the net fair value of these back-to-back swaps.  This is a non-cash item as there was no required settlement of this amount between the Company and its swap counterparties.

 

Non-interest Expense

 

For the three months ended June 30, 2020, non-interest expense increased $966,000 to $29.3 million when compared to the three months ended June 30, 2019, primarily as a result of the following items:

 

Salaries and employee benefits:  Salaries and employee benefits increased $1.4 million from the prior year period.  The increase was primarily due to annual employee compensation merit increases and increased incentives in lending and operations areas. Approximately half of the compensation increase was in the mortgage division where we have added staff and variable compensation increased due to significant increases in new mortgage loan originations, much of which is sold in the secondary market as noted above

 

Net occupancy expense:  Net occupancy expense increased $258,000 compared to the prior year period.  This was primarily related to increased depreciation on new ATM/ITMs and ATM operating software upgrades implemented during the fourth quarter of 2019. Also included in net occupancy expense for the 2020 quarter are COVID-19-related expenses for various items such as cleaning services, equipment, costs to set up remote work sites and other items.

 

Advertising:  Advertising expense decreased $405,000 compared to the prior year period. This decrease was primarily due to activities related to sponsorship agreements being halted as a result of the COVID-19 pandemic.

 

Other operating expenses: Other operating expenses decreased $187,000 from the prior year period. This decrease was primarily due to travel restrictions during the 2020 period. Total travel and entertainment for the three months ended June 30, 2020 was $77,000 compared to $462,000 during the prior year period. This decrease was partially offset with small increases in other expense categories. In response to the COVID-19 pandemic, the Company made contributions of $48,000 during the current year period to various organizations that assist the communities the Company serves.

 

Insurance:  Insurance expense decreased $128,000 compared to the prior year period. This decrease was primarily due to a decrease in FDIC deposit insurance premiums.  The Bank had a credit with the FDIC for a portion of premiums previously paid to the deposit insurance fund. The remaining credit offset a portion of the deposit insurance premium due for the three months ended June 30, 2020.

 

For the six months ended June 30, 2020, non-interest expense increased $3.3 million to $60.2 million when compared to the six months ended June 30, 2019, primarily as a result of the following items:


 

66



Salaries and employee benefits:  Salaries and employee benefits increased $3.9 million in the six months ended June 30, 2020 compared to the prior year period. The increase was primarily due to annual employee compensation merit increases and increased incentives in lending, including mortgage lending activities as noted above, and operations areas. Additionally, in March 2020, the Company approved a special cash bonus to all employees totaling $1.1 million in response to the COVID-19 pandemic.

 

Net occupancy expense:  Net occupancy expense increased $623,000 in the six months ended June 30, 2020 compared to the six months ended June 30, 2019.  This was primarily related to increased depreciation on new ATM/ITMs and ATM operating software upgrades implemented during the fourth quarter of 2019. Also included in net occupancy expense for the 2020 period are COVID-19-related expenses for various items such as cleaning services, equipment, costs to set up remote work sites and other items.

 

Insurance:  Insurance expense decreased $412,000 compared to the prior year period. This decrease was primarily due to a decrease in FDIC deposit insurance premiums.  The Bank had a credit with the FDIC for a portion of premiums previously paid to the deposit insurance fund leaving no premium being due for the three months ended March 31, 2020. The remaining credit mostly offset the deposit insurance premium due during the three months ended June 30, 2020.

 

Advertising:  Advertising expense decreased $311,000 compared to the prior year period. This decrease was primarily due to activities related to sponsorship agreements being halted as a result of the COVID-19 pandemic.

 

Expense on other real estate owned and repossessions:  Expense on other real estate owned and repossessions decreased $292,000 compared to the prior year period primarily due to sales of other assets and higher valuation write-downs of certain foreclosed assets during the prior year period. During the 2019 period, valuation write-downs of certain foreclosed assets totaled approximately $444,000, while valuation write-downs in the 2020 period totaled approximately $213,000.   

 

The Company’s efficiency ratio for the three months ended June 30, 2020, was 56.75% compared to 54.50% for the same period in 2019.  The efficiency ratio for the six months ended June 30, 2020, was 57.84% compared to 54.62% for the same period in 2019.  The higher efficiency ratio in the 2020 three and six month periods were primarily due to an increase in non-interest expense. Despite this increase in non-interest expense, the Company’s ratio of non-interest expense to average assets was 2.17% and 2.32% for the three and six months ended June 30, 2020, respectively, compared to 2.35% and 2.38% for the three and six months ended June 30, 2019, respectively.  The decreases in the current three and six month ratios were primarily due to an increase in average assets in the 2020 periods compared to the 2019 periods.  Average assets for the three months ended June 30, 2020, increased $581.6 million, or 12.1%, from the three months ended June 30, 2019, primarily due to increases in loans receivable, investment securities and interest bearing cash balances at the Federal Reserve Bank.  Average assets for the six months ended June 30, 2020, increased $410.2 million, or 8.6%, from the six months ended June 30, 2019, primarily due to increases in loans receivable, investment securities and interest bearing cash balances at the Federal Reserve Bank.   

 

Provision for Income Taxes

 

For the three months ended June 30, 2020 and 2019, the Company's effective tax rate was 19.3% and 16.8%, respectively. For the six months ended June 30, 2020 and 2019, the Company's effective tax rate was 17.4% and 17.7%, respectively.   These effective rates were lower than the statutory federal tax rate of 21%, due primarily to the utilization of certain investment tax credits and to tax-exempt investments and tax-exempt loans, which reduced the Company’s effective tax rate.  The Company’s effective tax rate may fluctuate in future periods as it is impacted by the level and timing of the Company’s utilization of tax credits and the level of tax-exempt investments and loans and the overall level of pre-tax income.  The Company's effective income tax rate is currently expected to remain below the statutory rate due primarily to the factors noted above. The Company currently expects its effective tax rate (combined federal and state) to be approximately 16.0% to 17.5% for the full year of 2020 and in future years.


 

67



Average Balances, Interest Rates and Yields

 

The following table presents, for the periods indicated, the total dollar amount of interest income from average interest-earning assets and the resulting yields, as well as the interest expense on average interest-bearing liabilities, expressed both in dollars and rates, and the net interest margin. Average balances of loans receivable include the average balances of non-accrual loans for each period. Interest income on loans includes interest received on non-accrual loans on a cash basis.  Interest income on loans includes the amortization of net loan fees which were deferred in accordance with accounting standards.  Net fees included in interest income were $1.5 million and $1.0 million for the three months ended June 30, 2020 and 2019, respectively.  Net fees included in interest income were $2.6 million and $2.1 million for the six months ended June 30, 2020 and 2019, respectively.  Tax-exempt income was not calculated on a tax equivalent basis. The table does not reflect any effect of income taxes.


 

68



 

June 30,
2020(2)

 

Three Months Ended
June 30, 2020

 

Three Months Ended
June 30, 2019

 

Yield/
Rate

 

Average
Balance

 

Interest

 

Yield/
Rate

 

Average
Balance

 

Interest

 

Yield/
Rate

 

(Dollars in Thousands)

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans receivable:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 One- to four-family
   residential

3.84%

 

 

$

652,281

 

 

$

7,432

 

4.58%

 

 

$

515,749

 

 

$

6,556

 

5.10%

 

 Other residential

4.29 

 

 

 

936,541

 

 

 

10,940

 

4.70 

 

 

 

819,577

 

 

 

11,270

 

5.52 

 

 Commercial real estate

4.23 

 

 

 

1,533,078

 

 

 

17,390

 

4.56 

 

 

 

1,414,009

 

 

 

18,304

 

5.19 

 

 Construction

4.34 

 

 

 

636,914

 

 

 

7,612

 

4.81 

 

 

 

713,885

 

 

 

10,585

 

5.95 

 

 Commercial business

3.72 

 

 

 

340,872

 

 

 

3,361

 

3.97 

 

 

 

259,779

 

 

 

3,358

 

5.18 

 

 Other loans

5.32 

 

 

 

293,432

 

 

 

3,891

 

5.33 

 

 

 

403,584

 

 

 

5,450

 

5.42 

 

 Industrial revenue bonds(1)

4.44 

 

 

 

9,757

 

 

 

222

 

9.16 

 

 

 

14,940

 

 

 

248

 

6.67 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total loans receivable

4.34 

 

 

 

4,402,875

 

 

 

50,848

 

4.64 

 

 

 

4,141,523

 

 

 

55,771

 

5.40 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Investment securities(1)

2.97 

 

 

 

433,410

 

 

 

3,082

 

2.86 

 

 

 

309,170

 

 

 

2,415

 

3.13 

 

Other interest-earning assets

0.24 

 

 

 

321,414

 

 

 

81

 

0.10 

 

 

 

88,024

 

 

 

537

 

2.45 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total interest-earning assets

3.91 

 

 

 

5,157,699

 

 

 

54,011

 

4.21 

 

 

 

4,538,717

 

 

 

58,723

 

5.19 

 

Non-interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Cash and cash equivalents

 

 

 

 

97,468

 

 

 

 

 

 

 

 

 

92,500

 

 

 

 

 

 

 

 Other non-earning assets

 

 

 

 

148,031

 

 

 

 

 

 

 

 

 

190,416

 

 

 

 

 

 

 

Total assets

 

 

 

$

5,403,198

 

 

 

 

 

 

 

 

$

4,821,633

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing demand
  and savings

0.34 

 

 

$

1,838,077

 

 

 

1,862

 

0.41 

 

 

$

1,498,795

 

 

 

1,930

 

0.52 

 

Time deposits

1.44 

 

 

 

1,789,349

 

 

 

7,179

 

1.61 

 

 

 

1,733,163

 

 

 

9,652

 

2.23 

 

Total deposits

0.86 

 

 

 

3,627,426

 

 

 

9,041

 

1.00 

 

 

 

3,231,958

 

 

 

11,582

 

1.44 

 

Short-term borrowings,
 repurchase agreements
 and other interest-bearing
 liabilities

0.02 

 

 

 

162,346

 

 

 

10

 

0.03 

 

 

 

244,586

 

 

 

859

 

1.41 

 

Subordinated debentures
 issued to capital trusts

2.29 

 

 

 

25,774

 

 

 

167

 

2.60 

 

 

 

25,774

 

 

 

267

 

4.16 

 

Subordinated notes

5.86 

 

 

 

89,840

 

 

 

1,338

 

5.99 

 

 

 

74,015

 

 

 

1,094

 

5.93

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total interest-bearing
  liabilities

1.01 

 

 

 

3,905,386

 

 

 

10,556

 

1.09 

 

 

 

3,576,333

 

 

 

13,802

 

1.55 

 

Non-interest-bearing
  liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Demand deposits

 

 

 

 

833,251

 

 

 

 

 

 

 

 

 

655,642

 

 

 

 

 

 

 

 Other liabilities

 

 

 

 

39,824

 

 

 

 

 

 

 

 

 

34,504

 

 

 

 

 

 

 

Total liabilities

 

 

 

 

4,778,461

 

 

 

 

 

 

 

 

 

4,266,479

 

 

 

 

 

 

 

Stockholders’ equity

 

 

 

 

624,737

 

 

 

 

 

 

 

 

 

555,154

 

 

 

 

 

 

 

Total liabilities and
  stockholders’ equity

 

 

 

$

5,403,198

 

 

 

 

 

 

 

 

$

4,821,633

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Interest rate spread

2.90%

 

 

 

 

 

 

$

43,455

 

3.12%

 

 

 

 

 

 

$

44,921

 

3.64%

 

 Net interest margin*

 

 

 

 

 

 

 

 

 

 

3.39%

 

 

 

 

 

 

 

 

 

3.97%

 

Average interest-earning
 assets to average interest-
 bearing liabilities

 

 

 

 

132.1%

 

 

 

 

 

 

 

 

 

126.9%

 

 

 

 

 

 

 

 

*

Defined as the Company’s net interest income divided by total average interest-earning assets.

(1)

Of the total average balances of investment securities, average tax-exempt investment securities were $64.0 million and $43.5 million for the three months ended June 30, 2020 and 2019, respectively. In addition, average tax-exempt loans and industrial revenue bonds were $20.0 million and $21.0 million for the three months ended June 30, 2020 and 2019, respectively. Interest income on tax-exempt assets included in this table was $538,000 and $614,000 for the three months ended June 30, 2020 and 2019, respectively. Interest income net of disallowed interest expense related to tax-exempt assets was $493,000 and $553,000 for the three months ended June 30, 2020 and 2019, respectively.

(2)

The yield on loans at June 30, 2020 does not include the impact of the accretable yield (income) on loans acquired in the FDIC-assisted transactions.  See “Net Interest Income” for a discussion of the effect on results of operations for the three months ended June 30, 2020.


 

69



 

June 30,
2020(2)

 

Six Months Ended
June 30, 2020

 

Six Months Ended
June 30, 2019

 

Yield/
Rate

 

Average
Balance

 

Interest

 

Yield/
Rate

 

Average
Balance

 

Interest

 

Yield/
Rate

 

(Dollars in Thousands)

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans receivable:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 One- to four-family
   residential

3.84%

 

 

$

628,076

 

 

$

14,570

 

4.67%

 

 

$

506,490

 

 

$

12,944

 

5.15%

 

 Other residential

4.29 

 

 

 

881,486

 

 

 

21,696

 

4.95 

 

 

 

815,354

 

 

 

22,260

 

5.51 

 

 Commercial real estate

4.23 

 

 

 

1,511,434

 

 

 

35,970

 

4.79 

 

 

 

1,400,789

 

 

 

36,000

 

5.18 

 

 Construction

4.34 

 

 

 

673,444

 

 

 

17,335

 

5.18 

 

 

 

690,883

 

 

 

20,758

 

6.06 

 

 Commercial business

3.72 

 

 

 

305,016

 

 

 

6,552

 

4.32 

 

 

 

261,967

 

 

 

6,750

 

5.20 

 

 Other loans

5.32 

 

 

 

305,435

 

 

 

8,424

 

5.55 

 

 

 

420,190

 

 

 

11,154

 

5.35 

 

 Industrial revenue bonds(1)

4.44 

 

 

 

10,015

 

 

 

431

 

8.65 

 

 

 

15,072

 

 

 

461

 

6.17 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total loans receivable

4.34 

 

 

 

4,314,906

 

 

 

104,978

 

4.89 

 

 

 

4,110,745

 

 

 

110,327

 

5.41 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Investment securities(1)

2.97 

 

 

 

409,206

 

 

 

6,165

 

3.03 

 

 

 

293,937

 

 

 

4,666

 

3.20 

 

Other interest-earning assets

0.24 

 

 

 

205,768

 

 

 

342

 

0.33 

 

 

 

91,182

 

 

 

1,088

 

2.41 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total interest-earning assets

3.91 

 

 

 

4,929,880

 

 

 

111,485

 

4.55 

 

 

 

4,495,864

 

 

 

116,081

 

5.21 

 

Non-interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Cash and cash equivalents

 

 

 

 

94,124

 

 

 

 

 

 

 

 

 

91,657

 

 

 

 

 

 

 

 Other non-earning assets

 

 

 

 

159,353

 

 

 

 

 

 

 

 

 

185,672

 

 

 

 

 

 

 

Total assets

 

 

 

$

5,183,357

 

 

 

 

 

 

 

 

$

4,773,193

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing demand
  and savings

0.34 

 

 

$

1,706,794

 

 

 

3,979

 

0.47 

 

 

$

1,485,948

 

 

 

3,693

 

0.50 

 

Time deposits

1.44 

 

 

 

1,751,125

 

 

 

15,639

 

1.80 

 

 

 

1,703,087

 

 

 

18,359

 

2.17 

 

Total deposits

0.86 

 

 

 

3,457,919

 

 

 

19,618

 

1.14 

 

 

 

3,189,035

 

 

 

22,052

 

1.39 

 

Short-term borrowings,
 repurchase agreements
 and other interest-bearing
 liabilities

0.02 

 

 

 

213,700

 

 

 

659

 

0.62 

 

 

 

251,347

 

 

 

1,780

 

1.43 

 

Subordinated debentures
 issued to capital trusts

2.29 

 

 

 

25,774

 

 

 

383

 

2.99 

 

 

 

25,774

 

 

 

534

 

4.18 

 

Subordinated notes

5.86 

 

 

 

82,087

 

 

 

2,432

 

5.96 

 

 

 

73,958

 

 

 

2,189

 

5.97 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total interest-bearing
  liabilities

1.01 

 

 

 

3,779,480

 

 

 

23,092

 

1.23 

 

 

 

3,540,114

 

 

 

26,555

 

1.52 

 

Non-interest-bearing
  liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Demand deposits

 

 

 

 

754,618

 

 

 

 

 

 

 

 

 

657,018

 

 

 

 

 

 

 

 Other liabilities

 

 

 

 

37,385

 

 

 

 

 

 

 

 

 

30,011

 

 

 

 

 

 

 

Total liabilities

 

 

 

 

4,571,483

 

 

 

 

 

 

 

 

 

4,227,143

 

 

 

 

 

 

 

Stockholders’ equity

 

 

 

 

611,874

 

 

 

 

 

 

 

 

 

546,050

 

 

 

 

 

 

 

Total liabilities and
  stockholders’ equity

 

 

 

$

5,183,357

 

 

 

 

 

 

 

 

$

4,773,193

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Interest rate spread

2.90%

 

 

 

 

 

 

$

88,393

 

3.32%

 

 

 

 

 

 

$

89,526

 

3.69%

 

 Net interest margin*

 

 

 

 

 

 

 

 

 

 

3.61%

 

 

 

 

 

 

 

 

 

4.02%

 

Average interest-earning
 assets to average interest-
 bearing liabilities

 

 

 

 

130.4%

 

 

 

 

 

 

 

 

 

127.0%

 

 

 

 

 

 

 

 

*

Defined as the Company’s net interest income divided by total average interest-earning assets.

(1)

Of the total average balances of investment securities, average tax-exempt investment securities were $48.3 million and $45.7 million for the six months ended June 30, 2020 and 2019, respectively. In addition, average tax-exempt loans and industrial revenue bonds were $20.7 million and $21.4 million for the six months ended June 30, 2020 and 2019, respectively. Interest income on tax-exempt assets included in this table was $1.1 million and $1.2 million for the six months ended June 30, 2020 and 2019, respectively. Interest income net of disallowed interest expense related to tax-exempt assets was $971,000 and $1.1 million for the six months ended June 30, 2020 and 2019, respectively.

(2)

The yield on loans at June 30, 2020 does not include the impact of the accretable yield (income) on loans acquired in the FDIC-assisted transactions.  See “Net Interest Income” for a discussion of the effect on results of operations for the six months ended June 30, 2020.


 

70



Rate/Volume Analysis

 

The following tables present the dollar amounts of changes in interest income and interest expense for major components of interest-earning assets and interest-bearing liabilities for the periods shown. For each category of interest-earning assets and interest-bearing liabilities, information is provided on changes attributable to (i) changes in rate (i.e., changes in rate multiplied by old volume) and (ii) changes in volume (i.e., changes in volume multiplied by old rate). For purposes of this table, changes attributable to both rate and volume, which cannot be segregated, have been allocated proportionately to volume and rate. Tax-exempt income was not calculated on a tax equivalent basis.

 

 

Three Months Ended June 30,

 

 

2020 vs. 2019

 

 

 

Increase (Decrease)

 

 

Total

 

 

 

Due to

 

 

Increase

 

 

 

Rate

 

 

Volume

 

 

(Decrease)

 

 

 

(Dollars in Thousands)

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

Loans receivable

$

(8,233)

 

 

3,310 

 

$

(4,923)

 

Investment securities

 

(226)

 

 

893 

 

 

667 

 

Other interest-earning assets

 

(875)

 

 

419 

 

 

(456)

 

Total interest-earning assets

 

(9,334)

 

 

4,622 

 

 

(4,712)

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

Demand deposits

 

(453)

 

 

385 

 

 

(68)

 

Time deposits

 

(2,773)

 

 

300 

 

 

(2,473)

 

Total deposits

 

(3,226)

 

 

685 

 

 

(2,541)

 

Short-term borrowings

 

(632)

 

 

(217)

 

 

(849)

 

Subordinated debentures issued to capital trust

 

(100)

 

 

— 

 

 

(100)

 

Subordinated notes

 

11 

 

 

233 

 

 

244 

 

Total interest-bearing liabilities

 

(3,947)

 

 

701 

 

 

(3,246)

 

Net interest income

$

(5,387)

 

 

3,921 

 

$

(1,466)

 

 

 

Six Months Ended June 30,

 

 

2020 vs. 2019

 

 

 

Increase (Decrease)

 

 

Total

 

 

 

Due to

 

 

Increase

 

 

 

Rate

 

 

Volume

 

 

(Decrease)

 

 

 

(Dollars in Thousands)

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

Loans receivable

$

(10,768)

 

$

5,419 

 

$

(5,349)

 

Investment securities

 

(261)

 

 

1,760 

 

 

1,499 

 

Other interest-earning assets

 

(1,418)

 

 

672 

 

 

(746)

 

Total interest-earning assets

 

(12,447)

 

 

7,851 

 

 

(4,596)

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

Demand deposits

 

(247)

 

 

533 

 

 

286 

 

Time deposits

 

(3,234)

 

 

514 

 

 

(2,720)

 

Total deposits

 

(3,481)

 

 

1,047 

 

 

(2,434)

 

Short-term borrowings

 

(886)

 

 

(235)

 

 

(1,121)

 

Subordinated debentures issued to capital trust

 

(151)

 

 

— 

 

 

(151)

 

Subordinated notes

 

(4)

 

 

247 

 

 

243 

 

Total interest-bearing liabilities

 

(4,522)

 

 

1,059 

 

 

(3,463)

 

Net interest income

$

(7,925)

 

$

6,792 

 

$

(1,133)

 

 

Liquidity

 

Liquidity is a measure of the Company's ability to generate sufficient cash to meet present and future financial obligations in a timely manner through either the sale or maturity of existing assets or the acquisition of additional funds through liability management. These obligations include the credit needs of customers, funding deposit


 

71



withdrawals, and the day-to-day operations of the Company. Liquid assets include cash, interest-bearing deposits with financial institutions and certain investment securities and loans. As a result of the Company’s management of the ability to generate liquidity primarily through liability funding, management believes that the Company maintains overall liquidity sufficient to satisfy its depositors' requirements and meet its borrowers’ credit needs. At June 30, 2020, the Company had commitments of approximately $186.7 million to fund loan originations, $1.12 billion of unused lines of credit and unadvanced loans, and $16.6 million of outstanding letters of credit.

 

Loan commitments and the unfunded portion of loans at the dates indicated were as follows (in thousands):

 

 

 

June 30,
2020

 

 

March 31,
2020

 

 

December 31,
2019

 

 

December 31,
2018

 

 

December 31,
2017

Closed non-construction loans with unused
available lines

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Secured by real estate (one- to four-family)

$

158,687

 

$

156,381

 

$

155,831

 

$

150,948

 

$

133,587

  Secured by real estate (not one- to four-family)

 

16,124

 

 

16,832

 

 

19,512

 

 

11,063

 

 

10,836

  Not secured by real estate - commercial business

 

105,071

 

 

79,117

 

 

83,782

 

 

87,480

 

 

113,317

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Closed construction loans with unused

       available lines

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Secured by real estate (one-to four-family)

 

37,789

 

 

50,101

 

 

48,213

 

 

37,162

 

 

20,919

  Secured by real estate (not one-to four-family)

 

753,589

 

 

809,436

 

 

798,810

 

 

906,006

 

 

718,277

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loan Commitments not closed

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Secured by real estate (one-to four-family)

 

112,769

 

 

141,432

 

 

69,295

 

 

24,253

 

 

23,340

  Secured by real estate (not one-to four-family)

 

73,103

 

 

95,652

 

 

92,434

 

 

104,871

 

 

156,658

  Not secured by real estate - commercial business

 

800

 

 

 

 

 

 

405

 

 

4,870

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

1,257,932

 

$

1,348,951

 

$

1,267,877

 

$

1,322,188

 

$

1,181,804

 

The Company's primary sources of funds are customer deposits, FHLBank advances, other borrowings, loan repayments, unpledged securities, proceeds from sales of loans and available-for-sale securities and funds provided from operations. The Company utilizes particular sources of funds based on the comparative costs and availability at the time. The Company has from time to time chosen not to pay rates on deposits as high as the rates paid by certain of its competitors and, when believed to be appropriate, supplements deposits with less expensive alternative sources of funds.

 

At June 30, 2020, the Company had these available secured lines and on-balance sheet liquidity:

 

Federal Home Loan Bank line

$  1,135.6 million

Federal Reserve Bank line

$     426.9 million

Cash and cash equivalents

$     473.6 million

Unpledged securities

$     219.5 million

 

Statements of Cash Flows. During both the six months ended June 30, 2020 and 2019, the Company had positive cash flows from operating activities, negative cash flows from investing activities and positive cash flows from financing activities.     

 

Cash flows from operating activities for the periods covered by the Statements of Cash Flows have been primarily related to changes in accrued and deferred assets, credits and other liabilities, the provision for loan losses, depreciation and amortization, realized gains on sales of loans and the amortization of deferred loan origination fees and discounts (premiums) on loans and investments, all of which are non-cash or non-operating adjustments to operating cash flows. Net income adjusted for non-cash and non-operating items and the origination and sale of loans held for sale were the primary source of cash flows from operating activities. Operating activities provided cash flows of $35.4 million and $39.2 million during the six months ended June 30, 2020 and 2019, respectively.

 

During the six months ended June 30, 2020, investing activities used cash of $259.5 million, primarily due to the net origination of loans, the purchase of investment securities and the purchase of equipment, partially offset by cash proceeds from the termination of interest rate derivatives, the sale of other real estate owned and payments received on investment securities. Investing activities in the 2019 period used cash of $180.3 million, primarily due to the


 

72



purchase of loans and the net origination of loans, the purchase of investment securities and the purchase of equipment, partially offset by the sale of other real estate owned, the sale of investment securities and payments received on investment securities.

 

Changes in cash flows from financing activities during the periods covered by the Statements of Cash Flows are due to changes in deposits after interest credited, changes in FHLBank advances and changes in short-term borrowings, as well as advances from borrowers for taxes and insurance, dividend payments to stockholders, purchases of the Company’s common stock and the exercise of common stock options.  Financing activities provided cash of $477.6 million and $119.7 million during the six months ended June 30, 2020 and 2019, respectively.  In the 2020 six-month period, financing activities provided cash primarily as a result of net increases in checking account balances, partially offset by decreases in short-term borrowings, dividends paid to stockholders and the purchase of the Company’s common stock. Also in the 2020 period, cash was provided by the issuance of subordinated notes. In the 2019 six-month period, financing activities provided cash primarily as a result of net increases in checking account balances and certificates of deposit, partially offset by decreases in short-term borrowings and dividends paid to stockholders.

 

Capital Resources

 

Management continuously reviews the capital position of the Company and the Bank to ensure compliance with minimum regulatory requirements, as well as to explore ways to increase capital either by retained earnings or other means.

 

At June 30, 2020, the Company's total stockholders' equity and common stockholders’ equity were each $626.7 million, or 11.3% of total assets, equivalent to a book value of $44.50 per common share. As of December 31, 2019, total stockholders’ equity and common stockholders’ equity were each $603.1 million, or 12.0% of total assets, equivalent to a book value of $42.29 per common share.  At June 30, 2020, the Company’s tangible common equity to tangible assets ratio was 11.1%, compared to 11.9% at December 31, 2019 (See Non-GAAP Financial Measures below).  

 

Included in stockholders’ equity at June 30, 2020 and December 31, 2019, were unrealized gains (net of taxes) on the Company’s available-for-sale investment securities totaling $26.0 million and $9.0 million, respectively.  This increase in unrealized gains primarily resulted from lower market interest rates which increased the fair value of the investment securities.

 

Also included in stockholders’ equity at June 30, 2020, were realized gains (net of taxes) on the Company’s cash flow hedge (interest rate swap), which was terminated in March 2020, totaling $33.1 million.  This amount, plus associated deferred taxes, is expected to be accreted to interest income over the remaining term of the original interest rate swap contract, which was to end in October 2025.  At June 30, 2020, the remaining pre-tax amount to be recorded in interest income was $42.8 million.  The net effect on total stockholders’ equity over time will be no impact as the reduction of this realized gain will be offset by an increase in retained earnings (as the interest income flows through pre-tax income).

 

Banks are required to maintain minimum risk-based capital ratios. These ratios compare capital, as defined by the risk-based regulations, to assets adjusted for their relative risk as defined by the regulations. Under current guidelines banks must have a minimum common equity Tier 1 capital ratio of 4.50%, a minimum Tier 1 risk-based capital ratio of 6.00%, a minimum total risk-based capital ratio of 8.00%, and a minimum Tier 1 leverage ratio of 4.00%. To be considered "well capitalized," banks must have a minimum common equity Tier 1 capital ratio of 6.50%, a minimum Tier 1 risk-based capital ratio of 8.00%, a minimum total risk-based capital ratio of 10.00%, and a minimum Tier 1 leverage ratio of 5.00%. On June 30, 2020, the Bank's common equity Tier 1 capital ratio was 13.1%, its Tier 1 capital ratio was 13.1%, its total capital ratio was 14.2% and its Tier 1 leverage ratio was 11.5%. As a result, as of June 30, 2020, the Bank was well capitalized, with capital ratios in excess of those required to qualify as such.  On December 31, 2019, the Bank's common equity Tier 1 capital ratio was 13.1%, its Tier 1 capital ratio was 13.1%, its total capital ratio was 14.0% and its Tier 1 leverage ratio was 12.3%. As a result, as of December 31, 2019, the Bank was well capitalized, with capital ratios in excess of those required to qualify as such.


 

73



The FRB has established capital regulations for bank holding companies that generally parallel the capital regulations for banks. On June 30, 2020, the Company's common equity Tier 1 capital ratio was 12.5%, its Tier 1 capital ratio was 13.0%, its total capital ratio was 17.2% and its Tier 1 leverage ratio was 11.4%. To be considered well capitalized, a bank holding company must have a Tier 1 risk-based capital ratio of at least 6.00% and a total risk-based capital ratio of at least 10.00%.  As of June 30, 2020, the Company was considered well capitalized, with capital ratios in excess of those required to qualify as such.  On December 31, 2019, the Company's common equity Tier 1 capital ratio was 12.0%, its Tier 1 capital ratio was 12.5%, its total capital ratio was 15.0% and its Tier 1 leverage ratio was 11.8%.  As of December 31, 2019, the Company was considered well capitalized, with capital ratios in excess of those required to qualify as such.

 

In June 2020, the Company further enhanced its regulatory capital position with the issuance of $75.0 million of 5.50% fixed-to-floating rate subordinated notes due June 15, 2030, which count as Tier 2 Capital in the calculation of the Total Capital Ratio.  The notes will accrue interest at the fixed rate of 5.50% to but excluding June 15, 2025. From and including June 15, 2025 to but excluding the maturity date of June 15, 2030, if not redeemed by the Company, the notes will accrue interest at a floating rate.

 

In addition to the minimum common equity Tier 1 capital ratio, Tier 1 risk-based capital ratio and total risk-based capital ratio, the Company and the Bank have to maintain a capital conservation buffer consisting of additional common equity Tier 1 capital greater than 2.5% of risk-weighted assets above the required minimum levels in order to avoid limitations on paying dividends, repurchasing shares, and paying discretionary bonuses. 

 

For additional information, see “Item 1. Business--Government Supervision and Regulation-Capital” in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019.

 

Dividends. During the three months ended June 30, 2020, the Company declared common stock cash dividends of $0.34 per share, or 37% of net income per diluted common share for that three month period, and paid common stock cash dividends of $0.34 per share (which was declared in March 2020).  During the three months ended June 30, 2019, the Company declared a common stock cash dividend of $0.32 per share, or 25% of net income per diluted common share for that three month period, and paid a common stock cash dividend of $0.32 per share (which was declared in March 2019).  During the six months ended June 30, 2020, the Company declared common stock cash dividends of $1.68 per share, or 85% of net income per diluted common share for that six month period, and paid common stock cash dividends of $1.68 per share ($0.34 of which was declared in December 2019). The total dividends declared during the six months ended June 30, 2020, consisted of regular cash dividends of $0.68 per share and a special cash dividend of $1.00 per share.  During the six months ended June 30, 2019, the Company declared common stock cash dividends of $1.39 per share, or 55% of net income per diluted common share for that six month period, and paid a common stock cash dividend of $1.39 per share. The total dividends declared during the six months ended June 30, 2019, consisted of regular cash dividends of $0.64 per share and a special cash dividend of $0.75 per share. The Board of Directors meets regularly to consider the level and the timing of dividend payments.  The $0.34 per share dividend declared but unpaid as of June 30, 2020, was paid to stockholders in July 2020.

 

Common Stock Repurchases and Issuances. The Company has been in various buy-back programs since May 1990. During the three months ended June 30, 2020, the Company issued 600 shares of stock at an average price of $23.19 per share to cover stock option exercises and did not repurchase any shares of its common stock. During the three months ended June 30, 2019, the Company issued 30,858 shares of stock at an average price of $28.50 per share to cover stock option exercises and did not repurchase any shares of its common stock. During the six months ended June 30, 2020, the Company issued 7,075 shares of stock at an average price of $36.36 per share to cover stock option exercises and repurchased 183,707 shares of its common stock at an average price of $44.36 per share.  During the six months ended June 30, 2019, the Company issued 66,458 shares of stock at an average price of $29.06 per share to cover stock option exercises and repurchased 16,040 shares of its common stock at an average price of $52.93 per share.  

 

On April 18, 2018, the Company's Board of Directors authorized management to repurchase up to 500,000 shares of the Company's outstanding common stock, under a program of open market purchases or privately negotiated transactions. The program does not have an expiration date.  Management has historically utilized stock buy-back programs from time to time as long as management believed that repurchasing the stock would contribute to the


 

74



overall growth of shareholder value. The number of shares of stock that will be repurchased at any particular time and the prices that will be paid are subject to many factors, several of which are outside of the control of the Company. The primary factors, however, are the number of shares available in the market from sellers at any given time, the price of the stock within the market as determined by the market and the projected impact on the Company’s earnings per share and capital. As of June 30, 2020, there were 282,771 shares still available to be repurchased under the program.

 

Non-GAAP Financial Measures

 

This document contains certain financial information determined by methods other than in accordance with accounting principles generally accepted in the United States (“GAAP”), consisting of the tangible common equity to tangible assets ratio.

 

In calculating the ratio of tangible common equity to tangible assets, we subtract period-end intangible assets from common equity and from total assets.  Management believes that the presentation of this measure excluding the impact of intangible assets provides useful supplemental information that is helpful in understanding our financial condition and results of operations, as it provides a method to assess management’s success in utilizing our tangible capital as well as our capital strength.  Management also believes that providing a measure that excludes balances of intangible assets, which are subjective components of valuation, facilitates the comparison of our performance with the performance of our peers.  In addition, management believes that this is a standard financial measure used in the banking industry to evaluate performance.

 

This non-GAAP financial measure is supplemental and is not a substitute for any analysis based on GAAP financial measures. Because not all companies use the same calculation of non-GAAP measures, this presentation may not be comparable to similarly titled measures as calculated by other companies.

 

Non-GAAP Reconciliation:  Ratio of Tangible Common Equity to Tangible Assets

 

 

 

June 30,

 

 

 

December 31,

 

 

 

2020

 

 

 

2019

 

 

 

(Dollars in Thousands)

 

 

 

 

 

 

 

 

 

Common equity at period end

$

626,728

 

 

$

603,066

 

Less:  Intangible assets at period end

 

7,521

 

 

 

8,098

 

Tangible common equity at period end (a)

$

619,207

 

 

$

594,968

 

 

 

 

 

 

 

 

 

Total assets at period end

$

5,566,650

 

 

$

5,015,072

 

Less:  Intangible assets at period end

 

7,521

 

 

 

8,098

 

Tangible assets at period end (b)

$

5,559,129

 

 

$

5,006,974

 

 

 

 

 

 

 

 

 

Tangible common equity to tangible assets (a) / (b)

 

11.14

%

 

 

11.88

%


 

75



ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

 

Asset and Liability Management and Market Risk

 

A principal operating objective of the Company is to produce a stable component of earnings by achieving a favorable interest rate spread that can be sustained during fluctuations in prevailing interest rates. The Company has sought to reduce its exposure to adverse changes in interest rates by attempting to achieve a closer match between the periods in which its interest-bearing liabilities and interest-earning assets can be expected to reprice through the origination of adjustable-rate mortgages and loans with shorter terms to maturity and the purchase of other shorter term interest-earning assets.

 

Our Risk When Interest Rates Change

 

The rates of interest we earn on assets and pay on liabilities generally are established contractually for a period of time. Market interest rates change over time. Accordingly, our results of operations, like those of other financial institutions, are impacted by changes in interest rates and the interest rate sensitivity of our assets and liabilities. The risk associated with changes in interest rates and our ability to adapt to these changes is known as interest rate risk and is our most significant market risk.

 

How We Measure the Risk to Us Associated with Interest Rate Changes

 

In an attempt to manage our exposure to changes in interest rates and comply with applicable regulations, we monitor Great Southern's interest rate risk. In monitoring interest rate risk we regularly analyze and manage assets and liabilities based on their payment streams and interest rates, the timing of their maturities and their sensitivity to actual or potential changes in market interest rates.

 

The ability to maximize net interest income is largely dependent upon the achievement of a positive interest rate spread that can be sustained despite fluctuations in prevailing interest rates. Interest rate sensitivity is a measure of the difference between amounts of interest-earning assets and interest-bearing liabilities which either reprice or mature within a given period of time. The difference, or the interest rate repricing "gap," provides an indication of the extent to which an institution's interest rate spread will be affected by changes in interest rates. A gap is considered positive when the amount of interest-rate sensitive assets exceeds the amount of interest-rate sensitive liabilities repricing during the same period, and is considered negative when the amount of interest-rate sensitive liabilities exceeds the amount of interest-rate sensitive assets during the same period. Generally, during a period of rising interest rates, a negative gap within shorter repricing periods would adversely affect net interest income, while a positive gap within shorter repricing periods would result in an increase in net interest income. During a period of falling interest rates, the opposite would be true. As of June 30, 2020, Great Southern's interest rate risk models indicate that, generally, rising interest rates are expected to have a positive impact on the Company's net interest income, while declining interest rates are expected to have a negative impact on net interest income. We model various interest rate scenarios for rising and falling rates, including both parallel and non-parallel shifts in rates. The results of our modeling indicate that net interest income is not likely to be significantly affected either positively or negatively in the first twelve months following a rate change, regardless of any changes in interest rates, because our portfolios are relatively well matched in a twelve-month horizon. In a situation where market interest rates decrease significantly in a short period of time, as they did in March 2020, our net interest margin decrease may be more pronounced in the very near term (first one to three months), due to fairly rapid decreases in LIBOR interest rates. In the subsequent months we expect that the net interest margin would stabilize and begin to improve, as renewal interest rates on maturing time deposits are expected to decrease compared to the current rates paid on those products. Subsequent to June 30, 2020, cumulative time deposit maturities are as follows: within three months --$504 million; within six months -- $842 million; and within twelve months -- $1.4 billion. At June 30, 2020, the weighted average interest rates on these various cumulative maturities were 1.54%, 1.52% and 1.42%, respectively.

 

The current level and shape of the interest rate yield curve poses challenges for interest rate risk management. Prior to its increase of 0.25% on December 16, 2015, the FRB had last changed interest rates on December 16, 2008. This was the first rate increase since September 29, 2006.  The FRB also implemented rate change increases of 0.25% on eight additional occasions beginning December 14, 2016 and through December 31, 2018, with the Federal Funds rate reaching as high as 2.50%.  After December 2018, the FRB paused its rate increases and, in July, September and


 

76



October 2019, implemented rate decreases of 0.25% on each of those occasions. At December 31, 2019, the Federal Funds rate stood at 1.75%.  In response to the coronavirus pandemic in the first quarter of 2020, the FRB decreased interest rates on two occasions in March 2020, a 0.50% decrease on March 3rd and a 1.00% decrease on March 16th. At June 30, 2020, the Federal Funds rate stood at 0.25%.  A substantial portion of Great Southern’s loan portfolio ($2.09 billion at June 30, 2020) is tied to the one-month or three-month LIBOR index and will be subject to adjustment at least once within 90 days after June 30, 2020.  Of these loans, $1.97 billion had interest rate floors.  Great Southern also has a portfolio of loans ($227 million at June 30, 2020) tied to a "prime rate" of interest and will adjust immediately with changes to the “prime rate” of interest.  During the latter half of 2019 and the six months ended June 30, 2020, we experienced some compression of our net interest margin percentage due to 2.25% of Federal Fund rate cuts over that time period.  Margin compression primarily resulted from generally slower changing average interest rates on deposits and borrowings and lower yields on loans and other interest-earning assets.  LIBOR interest rates decreased further in April and May of 2020, putting pressure on loan yields during the three months ended June 30, 2020, and strong pricing competition for loans and deposits remains in most of our markets.

 

Interest rate risk exposure estimates (the sensitivity gap) are not exact measures of an institution's actual interest rate risk. They are only indicators of interest rate risk exposure produced in a simplified modeling environment designed to allow management to gauge the Bank's sensitivity to changes in interest rates. They do not necessarily indicate the impact of general interest rate movements on the Bank's net interest income because the repricing of certain categories of assets and liabilities is subject to competitive and other factors beyond the Bank's control. As a result, certain assets and liabilities indicated as maturing or otherwise repricing within a stated period may in fact mature or reprice at different times and in different amounts and cause a change, which potentially could be material, in the Bank's interest rate risk.

 

In order to minimize the potential for adverse effects of material and prolonged increases and decreases in interest rates on Great Southern's results of operations, Great Southern has adopted asset and liability management policies to better match the maturities and repricing terms of Great Southern's interest-earning assets and interest-bearing liabilities. Management recommends and the Board of Directors sets the asset and liability policies of Great Southern, which are implemented by the Asset and Liability Committee. The Asset and Liability Committee is chaired by the Chief Financial Officer and is comprised of members of Great Southern's senior management. The purpose of the Asset and Liability Committee is to communicate, coordinate and control asset/liability management consistent with Great Southern's business plan and board-approved policies. The Asset and Liability Committee establishes and monitors the volume and mix of assets and funding sources taking into account relative costs and spreads, interest rate sensitivity and liquidity needs. The objectives are to manage assets and funding sources to produce results that are consistent with liquidity, capital adequacy, growth, risk, and profitability goals. The Asset and Liability Committee meets on a monthly basis to review, among other things, economic conditions and interest rate outlook, current and projected liquidity needs and capital positions and anticipated changes in the volume and mix of assets and liabilities. At each meeting, the Asset and Liability Committee recommends appropriate strategy changes based on this review. The Chief Financial Officer or his designee is responsible for reviewing and reporting on the effects of the policy implementations and strategies to the Board of Directors at their monthly meetings.

 

In order to manage its assets and liabilities and achieve the desired liquidity, credit quality, interest rate risk, profitability and capital targets, Great Southern has focused its strategies on originating adjustable rate loans or loans with fixed rates that mature in less than five years, and managing its deposits and borrowings to establish stable relationships with both retail customers and wholesale funding sources.

 

At times, depending on the level of general interest rates, the relationship between long- and short-term interest rates, market conditions and competitive factors, we may determine to increase our interest rate risk position somewhat in order to maintain or increase our net interest margin.

 

The Asset and Liability Committee regularly reviews interest rate risk by forecasting the impact of alternative interest rate environments on net interest income and market value of portfolio equity, which is defined as the net present value of an institution's existing assets, liabilities and off-balance sheet instruments, and evaluating such impacts against the maximum potential changes in net interest income and market value of portfolio equity that are authorized by the Board of Directors of Great Southern.


 

77



In the normal course of business, the Company may use derivative financial instruments (primarily interest rate swaps) from time to time to assist in its interest rate risk management.  In 2011, the Company began executing interest rate swaps with commercial banking customers to facilitate their respective risk management strategies.  Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such transactions.  Because the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. These interest rate derivatives result from a service provided to certain qualifying customers and, therefore, are not used to manage interest rate risk in the Company’s assets or liabilities. The Company manages a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions.

 

In October 2018, the Company entered into an interest rate swap transaction as part of its ongoing interest rate management strategies to hedge the risk of its floating rate loans.  The notional amount of the swap was $400 million with a contractual termination date of October 6, 2025.  Under the terms of the swap, the Company received a fixed rate of interest of 3.018% and paid a floating rate of interest equal to one-month USD-LIBOR.  The floating rate reset monthly and net settlements of interest due to/from the counterparty also occurred monthly.  Due to lower market interest rates, the Company received net interest settlements which were recorded as loan interest income.  If USD-LIBOR exceeded the fixed rate of interest, the Company was required to pay net settlements to the counterparty and record those net payments as a reduction of interest income on loans.  The effective portion of the gain or loss on the derivative was reported as a component of other comprehensive income and reclassified into earnings in the same period or periods during which the hedged transaction affected earnings.  Gains and losses on the derivative representing either hedge ineffectiveness or hedge components excluded from the assessment of effectiveness are recognized in current earnings.

 

In March 2020, the Company and its swap counterparty mutually agreed to terminate the $400 million interest rate swap prior to its contractual maturity.  The Company received a payment of $45.9 million from its swap counterparty as a result of this termination.    

 

The Company’s interest rate derivatives and hedging activities are discussed further in Note 16 of the Notes to Consolidated Financial Statements contained in this report.

 

ITEM 4. CONTROLS AND PROCEDURES

 

We maintain a system of disclosure controls and procedures (as defined in Rule 13(a)-15(e) under the Securities Exchange Act of 1934 (the "Exchange Act")) that is designed to provide reasonable assurance that information required to be disclosed by us in the reports that we file under the Exchange Act is recorded, processed, summarized and reported accurately and within the time periods specified in the SEC's rules and forms, and that such information is accumulated and communicated to our management, including our principal executive officer and principal financial officer, as appropriate. An evaluation of our disclosure controls and procedures was carried out as of June 30, 2020, under the supervision and with the participation of our principal executive officer, principal financial officer and several other members of our senior management. Our principal executive officer and principal financial officer concluded that, as of June 30, 2020, our disclosure controls and procedures were effective in ensuring that the information we are required to disclose in the reports we file or submit under the Exchange Act is (i) accumulated and communicated to our management (including the principal executive officer and principal financial officer) to allow timely decisions regarding required disclosure, and (ii) recorded, processed, summarized and reported within the time periods specified in the SEC's rules and forms.

 

There were no changes in our internal control over financial reporting (as defined in Rule 13(a)-15(f) under the Act) that occurred during the quarter ended June 30, 2020, that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

 

We do not expect that our internal control over financial reporting will prevent all errors and all fraud. A control procedure, no matter how well conceived and operated, can provide only reasonable, not absolute, assurance that the objectives of the control procedure are met. Because of the inherent limitations in all control procedures, no evaluation of controls can provide absolute assurance that all control issues and instances of fraud, if any, within the Company have been detected. These inherent limitations include the realities that judgments in decision-making can


 

78



be faulty, and that breakdowns in controls or procedures can occur because of simple error or mistake. Additionally, controls can be circumvented by the individual acts of some persons, by collusion of two or more people, or by management override of the control. The design of any control procedure also is based in part upon certain assumptions about the likelihood of future events, and there can be no assurance that any design will succeed in achieving its stated goals under all potential future conditions; over time, controls may become inadequate because of changes in conditions, or the degree of compliance with the policies or procedures may deteriorate.  Because of the inherent limitations in a cost-effective control procedure, misstatements due to error or fraud may occur and not be detected.

 

PART II. OTHER INFORMATION

 

Item 1. Legal Proceedings

 

In the normal course of business, the Company and its subsidiaries are subject to pending and threatened legal actions, some of which seek substantial relief or damages.  While the ultimate outcome of such legal proceedings cannot be predicted with certainty, after reviewing pending and threatened litigation with counsel, management believes at this time that the outcome of such litigation will not have a material adverse effect on the Company’s business, financial condition or results of operations.  

 

Item 1A. Risk Factors

 

In light of recent developments relating to the COVID-19 pandemic, the Company is updating the risk factors set forth in Part I, Item 1A of the Company's Annual Report on Form 10-K for the year ended December 31, 2019.

 

The Impact of the COVID-19 Pandemic on Our Customers, Employees and Business Operations Has Had, and Will Likely Continue to Have, a Significant Adverse Effect on Our Business, Results of Operations and Financial Condition

 

The COVID-19 pandemic has significantly adversely affected our operations and the way we provide banking services to businesses and individuals, many of whom were under some form of government-issued stay-at-home orders.  As an essential business, we continued to provide banking and financial services to our customers with drive-through access available at our branch locations and in-person services available by appointment.  At this time, all of our banking center facilities are fully open. In addition, we continue to provide access to banking and financial services through online banking, ATMs and by telephone. If the COVID-19 pandemic worsens, it could limit or disrupt our ability to provide banking and financial services to our customers.

 

Approximately 50% of our non-frontline associates have been working remotely to enable us to continue to provide banking services to our customers.  Some of these associates have returned to their normal workplace, but most are still working remotely.  Heightened cybersecurity, information security and operational risks may result from these work-from-home arrangements. We also could be adversely affected if key personnel or a significant number of employees were to become unavailable due to the effects of, and restrictions resulting from, the COVID-19 pandemic.  We also rely upon our third-party vendors to conduct business and to process, record and monitor transactions. If any of these vendors are unable to continue to provide us with these services, it could negatively impact our ability to serve our customers. Although we have business continuity plans and other safeguards in place, there is no assurance that such plans and safeguards will be effective.


 

79



There is pervasive uncertainty surrounding the future economic conditions that will emerge in the months and years following the start of the COVID-19 pandemic. As a result, management is confronted with a significant and unfamiliar degree of uncertainty in estimating the impact of the pandemic on credit quality, revenues and asset values. The pandemic has resulted in declines in loan demand and loan originations, other than through government sponsored programs such as the Payroll Protection Program (“PPP”), and lower market interest rates, and has negatively impacted the ability of many of our business and consumer borrowers to make their loan payments. Because the length of the pandemic and the efficacy of the extraordinary measures being put in place to address its economic consequences are unknown, including recent reductions in the targeted federal funds rate, until the pandemic subsides, we expect our net interest income and net interest margin will be adversely affected in the near-term, if not longer. Many of our consumer borrowers have become unemployed or may face unemployment, and certain of our business borrowers are at risk of insolvency as their revenues decline precipitously, especially in businesses related to retail, travel, hospitality and leisure. Businesses may ultimately not reopen as there is a significant level of uncertainty regarding the level of economic activity that will return to our markets over time, the impact of governmental assistance, the speed of economic recovery, the resurgence of COVID-19 in subsequent seasons and changes to demographic and social norms that will take place.

 

The impact of the pandemic is expected to continue to adversely affect us during the remainder of 2020 and possibly longer. Although the Company makes estimates of loan losses related to the pandemic as part of its evaluation of the allowance for loan losses, such estimates involve significant judgment and are made in the context of significant uncertainty as to the impact the pandemic will have on the credit quality of our loan portfolio. It is likely that loan delinquencies, adversely classified loans and loan charge-offs will increase in the future as a result of the pandemic.  Consistent with guidance provided by banking regulators, we have modified loans by providing various loan payment deferral options to our borrowers affected by the COVID-19 pandemic. Notwithstanding these modifications, these borrowers may not be able to resume making full payments on their loans if and when the COVID-19 pandemic subsides. Any increases in the allowance for loan losses will result in a decrease in net income and, most likely, capital, and may have a material negative effect on our financial condition and results of operations.

 

The PPP loans made by the Bank are guaranteed by the SBA and, if used by the borrower for authorized purposes, may be fully forgiven.  However, in the event of a loss resulting from a default on a PPP loan and a determination by the SBA that there was a deficiency in the manner in which the PPP loan was originated, funded or serviced by the Bank, the SBA may deny its liability under the guaranty, reduce the amount of the guaranty or, if it has already made payment under the guaranty, seek recovery of any loss related to the deficiency from the Bank.  In addition, since the commencement of the PPP, several larger banks have been subject to litigation regarding their processing of PPP loan applications.  The Bank may be exposed to the risk of similar litigation, from both customers and non-customers that approached the Bank seeking PPP loans.  PPP lenders, including the Bank, may also be subject to the risk of litigation in connection with other aspects of the PPP, including but not limited to borrowers seeking forgiveness of their loans.  If any such litigation is filed against the Bank, it may result in significant financial or reputational harm to us.

 

The U.S. economy will likely require an extensive period of time to recover from the effects of the COVID-19 pandemic.  To the extent the effects of the COVID-19 pandemic adversely impact our business, financial condition, liquidity or results of operations, it may also have the effect of heightening many of the other risks described in the section entitled "Risk Factors" in our Annual Report on Form 10-K for the year ended December 31, 2019 and any subsequent Quarterly Reports on Form 10-Q.

 

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

 

On April 18, 2018, the Company's Board of Directors authorized management to repurchase up to 500,000 shares of the Company's outstanding common stock, under a program of open market purchases or privately negotiated transactions. The plan does not have an expiration date.  The authorization of this plan terminated the previous repurchase plan, which was approved in November 2006 with an authorization to repurchase up to 700,000 shares of the Company's outstanding common stock.


 

80



The following table reflects the Company’s repurchase activity during the three months ended June 30, 2020.

 

 

Total Number
of Shares
Purchased

Average
Price
Per Share

Total Number of
Shares Purchased
as Part of Publicly
Announced Plan

Maximum Number
of Shares that May
Yet Be Purchased
Under the Plan(1)

 

 

 

 

 

April 1, 2020 – April 30, 2020

$             —

282,711

May 1, 2020 – May 31, 2020

282,711

June 1, 2020 – June 30, 2020

             —

               —

282,711

 

             —

$             —

                —

 

 

_______________________

(1)

Amount represents the number of shares available to be repurchased under the April 2018 plan as of the last calendar day of the month shown.

 

Item 3. Defaults Upon Senior Securities

 

None.

 

Item 4. Mine Safety Disclosures

 

Not applicable

 

Item 5. Other Information

 

None.

 

Item 6. Exhibits and Financial Statement Schedules

 

 

a)

Exhibits

 

Exhibit No.

Description

 

 

(2)

Plan of acquisition, reorganization, arrangement, liquidation, or succession

 

 

 

 

(i)

The Purchase and Assumption Agreement, dated as of March 20, 2009, among Federal Deposit Insurance Corporation, Receiver of TeamBank, N.A., Paola, Kansas, Federal Deposit Insurance Corporation and Great Southern Bank, previously filed with the Commission (File no. 000-18082) as Exhibit 2.1 to the Registrant's Current Report on Form 8-K filed on March 26, 2009 is incorporated herein by reference as Exhibit 2.1(i).

 

 

 

 

(ii)

The Purchase and Assumption Agreement, dated as of September 4, 2009, among Federal Deposit Insurance Corporation, Receiver of Vantus Bank, Sioux City, Iowa, Federal Deposit Insurance Corporation and Great Southern Bank, previously filed with the Commission (File no. 000-18082) as Exhibit 2.1 to the Registrant's Current Report on Form 8-K filed on September 11, 2009 is incorporated herein by reference as Exhibit 2.1(ii).

 

 

 

 

(iii)

The Purchase and Assumption Agreement, dated as of October 7, 2011, among Federal Deposit Insurance Corporation, Receiver of Sun Security Bank, Ellington, Missouri, Federal Deposit Insurance Corporation and Great Southern Bank, previously filed with the Commission (File no. 000-18082) as Exhibit 2.1(iii) to the Registrant's Quarterly Report on Form 10-Q for the quarter ended September 30, 2011 is incorporated herein by reference as Exhibit 2(iii).

 

 

 


 

81



 

(iv)

The Purchase and Assumption Agreement, dated as of April 27, 2012, among Federal Deposit Insurance Corporation, Receiver of Inter Savings Bank, FSB, Maple Grove, Minnesota, Federal Deposit Insurance Corporation and Great Southern Bank, previously filed with the Commission (File no. 000-18082) as Exhibit 2.1(iv) to the Registrant's Quarterly Report on Form 10-Q for the quarter ended March 31, 2012 is incorporated herein by reference as Exhibit 2(iv).

 

 

 

 

(v)

The Purchase and Assumption Agreement All Deposits, dated as of June 20, 2014, among Federal Deposit Insurance Corporation, Receiver of Valley Bank, Moline, Illinois, Federal Deposit Insurance Corporation and Great Southern Bank, previously filed with the Commission (File no. 000-18082) as Exhibit 2.1(v) to the Registrant's Quarterly Report on Form 10-Q for the quarter ended June 20, 2014 is incorporated herein by reference as Exhibit 2(v).

 

 

 

(3)

Articles of incorporation and Bylaws

 

 

 

 

(i)

The Registrant's Charter previously filed with the Commission as Appendix D to the Registrant's Definitive Proxy Statement on Schedule 14A filed on March 31, 2004 (File No. 000-18082), is incorporated herein by reference as Exhibit 3.1.

 

 

 

 

(iA)

The Articles Supplementary to the Registrant's Charter setting forth the terms of the Registrant's Senior Non-Cumulative Perpetual Preferred Stock, Series A, previously filed with the Commission as Exhibit 3.1 to the Registrant's Current Report on Form 8-K filed on August 18, 2011, are incorporated herein by reference as  Exhibit 3(i).

 

 

 

 

(ii)

The Registrant's Bylaws, previously filed with the Commission (File no. 000-18082) as Exhibit 3.2 to the Registrant's Current Report on Form 8-K filed on October 19, 2007, are incorporated herein by reference as Exhibit 3.2.

 

 

 

(4)

Instruments defining the rights of security holders, including indentures

 

 

 

 

The Indenture, dated June 12, 2020, between the Registrant and U.S. Bank National Association, as Trustee, previously filed with the Commission (File no. 000-18082) as Exhibit 4.1 to the Registrant’s Current Report on Form 8-K filed on June 12, 2020, is incorporated herein by reference as Exhibit 4.1.

 

 

 

The First Supplemental Indenture, dated June 12, 2020, between the Registrant and U.S. Bank National Association, as Trustee (relating to the Registrant’s 5.50% Fixed-to-Floating Rate Subordinated Notes due June 15, 2030), including the form of subordinated note included therein, previously filed with the Commission (File no. 000-18082) as Exhibit 4.2 to the Registrant’s Current Report on Form 8-K filed on June 12, 2020, is incorporated herein by reference as Exhibit 4.2.

 

 

 

The Subordinated Indenture, dated as of August 12, 2016, between the Registrant and Wilmington Trust, National Association, as Trustee, previously filed with the Commission (File no. 000-18082) as Exhibit 4.1 to the Registrant’s Current Report on Form 8-K filed on August 12, 2016, is incorporated herein by reference as Exhibit 4.3.

 

 

 

The First Supplemental Indenture, dated as of August 12, 2016, between the Registrant and Wilmington Trust, National Association, as Trustee (relating to the Registrant’s 5.25% Fixed-to-Floating Rate Subordinated Notes due August 15, 2026), including the form of subordinated note included therein, previously filed with the Commission (File no. 000-18082) as Exhibit 4.2 to the Registrant’s Current Report on Form 8-K filed on August 12, 2016, is incorporated herein by reference as Exhibit 4.4.

 

 

 

The Company hereby agrees to furnish the SEC upon request, copies of the instruments defining the rights of the holders of each other issue of the Registrant's long-term debt.

 

 

 

(9)

Voting trust agreement

 

 

 

 

Inapplicable.


 

82



 

 

 

(10)

Material contracts

 

 

 

 

The Registrant's 2003 Stock Option and Incentive Plan previously filed with the Commission (File No. 000-18082) as Annex A to the Registrant's Definitive Proxy Statement on Schedule 14A filed on April 14, 2003, is incorporated herein by reference as Exhibit 10.2.

 

 

 

 

The Amended and Restated Employment Agreement, dated November 4, 2019, between the Registrant and William V. Turner previously filed with the Commission (File no. 000-18082) as Exhibit 10.3 to the Registrant's Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2019, is incorporated herein by reference as Exhibit 10.3.

 

 

 

 

The Amended and Restated Employment Agreement, dated November 4, 2019,  between the Registrant and Joseph W. Turner previously filed with the Commission (File no. 000-18082) as Exhibit 10.4 to the Registrant's Quarterly Report on Form 10-Q for the quarterly period fiscal year ended September 30, 2019, is incorporated herein by reference as Exhibit 10.4.

 

 

 

 

Amendment No. 1, dated as of March 5, 2020, to the Amended and Restated Employment Agreement with Joseph W. Turner previously filed with the Commission (File no. 000-18082) as Exhibit 10.4A to the Registrant's Annual Report on Form 10-K for the year ended December 31, 2019 is incorporated herein by reference as Exhibit 10.4A.

 

 

 

 

The form of incentive stock option agreement under the Registrant's 2003 Stock Option and Incentive Plan previously filed with the Commission as Exhibit 10.1 to the Registrant's Current Report on Form 8-K (File no. 000-18082) filed on February 24, 2005 is incorporated herein by reference as Exhibit 10.5.

 

 

 

 

The form of non-qualified stock option agreement under the Registrant's 2003 Stock Option and Incentive Plan previously filed with the Commission as Exhibit 10.2 to the Registrant's Current Report on Form 8-K (File no. 000-18082) filed on February 24, 2005 is incorporated herein by reference as Exhibit 10.6.

 

 

 

 

A description of the current salary and bonus arrangements for 2020 for the Registrant's executive officers previously filed with the Commission as Exhibit 10.7 to the Registrant's Annual Report on Form 10-K for the fiscal year ended December 31, 2019 is incorporated herein by reference as Exhibit 10.7.

 

 

 

 

A description of the current fee arrangements for the Registrant's directors previously filed with the Commission as Exhibit 10.8 to the Registrant's Annual Report on Form 10-K for the fiscal year ended December 31, 2019 is incorporated herein by reference as Exhibit 10.8.

 

 

 

 

Small Business Lending Fund – Securities Purchase Agreement, dated August 18, 2011, between the Registrant and the Secretary of the United States Department of the Treasury, previously filed with the Commission as Exhibit 10.1 to the Registrant's Current Report on Form 8-K filed on August 18, 2011, is incorporated herein by reference as Exhibit 10.9.

 

 

 

 

The Registrant's 2013 Equity Incentive Plan previously filed with the Commission (File No. 000-18082) as Annex A to the Registrant's Definitive Proxy Statement on Schedule 14A filed on April 4, 2013, is incorporated herein by reference as Exhibit 10.10.

 

 

 

 

The form of incentive stock option award agreement under the Registrant's 2013 Equity Incentive Plan previously filed with the Commission as Exhibit 10.2 to the Registrant's Registration Statement on Form S-8 (File no. 333-189497) filed on June 20, 2013 is incorporated herein by reference as Exhibit 10.11.

 

 

 

 

The form of non-qualified stock option award agreement under the Registrant's 2013 Equity Incentive Plan previously filed with the Commission as Exhibit 10.3 to the Registrant's Registration Statement on Form S-8 (File no. 333-189497) filed on June 20, 2013 is incorporated herein by reference as Exhibit 10.12.

 

 


 

83



 

The form of stock appreciation right award agreement under the Registrant's 2013 Equity Incentive Plan previously filed with the Commission as Exhibit 10.4 to the Registrant's Registration Statement on Form S-8 (File no. 333-189497) filed on June 20, 2013 is incorporated herein by reference as Exhibit 10.13.

 

 

 

The form of restricted stock award agreement under the Registrant's 2013 Equity Incentive Plan previously filed with the Commission as Exhibit 10.5 to the Registrant's Registration Statement on Form S-8 (File no. 333-189497) filed on June 20, 2013 is incorporated herein by reference as Exhibit 10.14.

 

 

 

The Registrant's 2018 Omnibus Incentive Plan previously filed with the Commission (File No. 000-18082) as Appendix A to the Registrant's Definitive Proxy Statement on Schedule 14A filed on March 27, 2018, is incorporated herein by reference as Exhibit 10.15.

 

 

 

 

The form of incentive stock option award agreement under the Registrant's 2018 Omnibus Incentive Plan previously filed with the Commission as Exhibit 10.2 to the Registrant's Registration Statement on Form S-8 (File no. 333-225665) filed on June 15, 2018 is incorporated herein by reference as Exhibit 10.16.

 

 

 

 

The form of non-qualified stock option award agreement under the Registrant's 2018 Omnibus Incentive Plan previously filed with the Commission as Exhibit 10.3 to the Registrant's Registration Statement on Form S-8 (File no. 333-225665) filed on June 15, 2018 is incorporated herein by reference as Exhibit 10.17.

 

 

 

(15)

Letter re unaudited interim financial information

 

 

 

 

Inapplicable.

 

 

 

(18)

Letter re change in accounting principles

 

 

 

 

Inapplicable.

 

 

 

(23)

Consents of experts and counsel

 

 

 

 

Inapplicable.

 

 

 

(24)

Power of attorney

 

 

 

 

None.

 

 

 

(31.1)

Rule 13a-14(a) Certification of Chief Executive Officer

 

 

 

 

Attached as Exhibit 31.1

 

 

 

(31.2)

Rule 13a-14(a) Certification of Treasurer

 

 

 

 

Attached as Exhibit 31.2

 

 

 

(32)

Certification pursuant to Section 906 of Sarbanes-Oxley Act of 2002 (18 U.S.C. Section 1350)

 

 

 

 

Attached as Exhibit 32.

 

 

 

(99)

Additional Exhibits

 

 

 

 

None.

 

 

 


 

84



(101)

Attached as Exhibit 101 are the following financial statements from the Great Southern Bancorp, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2020, formatted in Extensive Business Reporting Language (XBRL): (i) consolidated statements of financial condition, (ii) consolidated statements of income, (iii) consolidated statements of comprehensive income, (iv) consolidated statements of cash flows and (v) notes to consolidated financial statements.


 

85



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.

 

 

Great Southern Bancorp, Inc.

 

Registrant

 

 

Date: August 7, 2020

/s/ Joseph W. Turner

 

Joseph W. Turner

President and Chief Executive Officer

(Principal Executive Officer)

 

Date: August 7, 2020

/s/ Rex A. Copeland

 

Rex A. Copeland

Treasurer

(Principal Financial and Accounting Officer)


 

86

EX-31 2 ex31z2.htm EXHIBIT 31.2 -- CERTIFICATION OF TREASURER Exhibit 31

Exhibit 31.2

CERTIFICATIONS

 

I, Rex A. Copeland, certify that: 

 

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

 

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

 

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

 

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

 

 

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

 

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

 

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

 

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

 

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

 

 

 

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

 

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

 

Date: August 7, 2020

 

/s/ Rex A. Copeland                              

Rex A. Copeland

Treasurer

 

 

EX-31 3 ex31z1.htm EXHIBIT 31.1 -- CERTIFICATION OF CHIEF EXECUTIVE OFFICER Exhibit 31

Exhibit 31.1

 

CERTIFICATIONS

 

 

I, Joseph W. Turner, certify that: 

 

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

 

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

 

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

 

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

 

 

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

 

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

 

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

 

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

 

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

 

 

 

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

 

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

 

 

Date: August 7, 2020

 

/s/ Joseph W. Turner                                      

Joseph W. Turner

President and Chief Executive Officer

 

EX-32 4 ex32.htm EXHIBIT 32 -- SECTION 1350 CERTIFICATIONS Exhibit 32

Exhibit 32

 

SECTION 1350 CERTIFICATIONS

 

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, each of the undersigned hereby certifies in his capacity as an officer of GREAT SOUTHERN BANCORP, INC. (the "Company") that the quarterly report of the Company on Form 10-Q for the quarter ended June 30, 2020 fully complies with the requirements of Section 13(a) of the Securities Exchange Act of 1934 and that the information contained in such 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 presented in the financial statements included in such report.

 

 

Dated: August 7, 2020

/s/ Joseph W. Turner                                                                           

Joseph W. Turner

 President and Chief Executive Officer

 

 

Dated: August 7, 2020

/s/ Rex A. Copeland                                                                             

Rex A. Copeland

 Treasurer

 

 

 

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Investments Classified by Contractual Maturity Date Fair Value Loans and Interest Receivable Policy Represents the textual narrative disclosure of Fair Value Loans and Interest Receivable Policy, during the indicated time period. Fair Value Measurement, Policy Lessee, Operating Lease, Disclosure Note 11: Advances From Federal Home Loan Bank Principal reductions on mortgage-backed securities Provision for loan losses Depreciation {1} Depreciation Equity Component Earnings Per Share, Basic Basic Earnings Per Common Share Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding June 2020 -14,084,420 shares; December 2019 - 14,261,052 shares Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding June 2020 -14,084,420 shares; December 2019 - 14,261,052 shares Capital stock Represents the description of Capital stock, during the indicated time period. ASSETS Trading Exchange SEC Form Effect of cash flow hedge accounting on the statements of operations Represents the monetary amount of Effect of cash flow hedge accounting on the statements of operations, during the indicated time period. Interest Expense {1} Interest Expense Commitments to originate loans Represents the Commitments to originate loans, during the indicated time period. Loans Receivable Impaired Represents the Loans Receivable Impaired, during the indicated time period. Fair Value, Inputs, Level 3 Interest-bearing demand and savings deposits (Weighted average rate 0.34% and 0.55%) Interest-bearing demand and savings deposits (Weighted average rate 0.34% and 0.55%) Total time deposits (weighted average rate 1.44% and 2.09%) Total time deposits (weighted average rate 1.44% and 2.09%) Operating Lease Costs Classified as Occupancy and Equipment Expense Represents the monetary amount of Operating Lease Costs Classified as Occupancy and Equipment Expense, during the indicated time period. Net (gain) loss on sales of other real estate owned Represents the monetary amount of Net (gain) loss on sales of other real estate owned, during the indicated time period. Foreclosed Assets Held for Sale and Repossessions Statistical Measurement [Axis] Troubled Debt Restructurings Returned to Accrual Status Represents the monetary amount of Troubled Debt Restructurings Returned to Accrual Status, during the indicated time period. Impaired Financing Receivable, Recorded Investment Financing Receivable, Allowance for Credit Loss, Writeoff Financing Receivable, Allowance for Credit Loss, Writeoff Financial Asset, Equal to or Greater than 90 Days Past Due Commercial Real Estate Type of Borrower [Axis] Available-for-sale Securities, Gross Realized Gains Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value Other than Temporary Impairment, Credit Losses Recognized in Earnings, Categories of Investments Schedule of Derivative Instruments, Effect on Statements of Operations Represents the textual narrative disclosure of Schedule of Derivative Instruments, Effect on Statements of Operations, during the indicated time period. Schedule of Subordinated Borrowing Schedule of Future Minimum Rental Payments for Operating Leases Schedule of Impact of Adjustments of Acquired Loans on Financial Results Represents the textual narrative disclosure of Schedule of Impact of Adjustments of Acquired Loans on Financial Results, during the indicated time period. Fair Value Financial Instruments Policy Represents the textual narrative disclosure of Fair Value Financial Instruments Policy, during the indicated time period. Business Acquisition Fair Value and Expected Cash Flows Policy Represents the textual narrative disclosure of Business Acquisition Fair Value and Expected Cash Flows Policy, during the indicated time period. Investment, Policy Net cash provided by operating activities Net income Net occupancy and equipment expense Salaries and employee benefits Salaries and employee benefits INTEREST EXPENSE Loans Available-for-sale securities Document Fiscal Year Focus Local Phone Number Entity Address, Address Line One Document Transition Report Well-known Seasoned Issuer Interest Income Amount of Gain (Loss) Recognized in Accumulated Other Comprehensive Income Represents the Amount of Gain (Loss) Recognized in Accumulated Other Comprehensive Income, during the indicated time period. Credit Facility Interest rate derivative asset Represents the Interest rate derivative asset, during the indicated time period. Fair Value, Inputs, Level 2 Subordinated Notes Before Costs Represents the monetary amount of Subordinated Notes Before Costs, as of the indicated date. Amortization of Debt Discount (Premium) Payment of Financing and Stock Issuance Costs Supplemental Cash Flow Information Represents the Supplemental Cash Flow Information, during the indicated time period. Weighted-average lease term Represents the description of Weighted-average lease term, during the indicated time period. Operating expenses, net of rental income Represents the monetary amount of Operating expenses, net of rental income, during the indicated time period. Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease) Impact of acquired loan pools on net interest margin (in basis points) Represents the Impact of acquired loan pools on net interest margin (in basis points), during the indicated time period. Internal Investment Grade Total Represents the Internal Investment Grade Total, during the indicated time period. Impaired Loans Valuation Allowance Represents the monetary amount of Impaired Loans Valuation Allowance, as of the indicated date. Financing Receivable, Credit Loss, Expense (Reversal) Automobile Loan Consumer Borrower Other residential Represents the Other residential, during the indicated time period. Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One Debt Security Category [Axis] Financing Receivable, Troubled Debt Restructuring {1} Financing Receivable, Troubled Debt Restructuring Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings Note 10: Deposits NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES Proceeds from maturities and calls of available-for-sale securities common stock common stock Unrealized appreciation on available for sale securities, net Represents the monetary amount of Unrealized appreciation on available for sale securities, net, during the indicated time period. Other income Total Liabilities Total Liabilities Current and deferred income taxes Premises and equipment, net Prepaid expenses and other assets Prepaid expenses and other assets Termination Value of Derivatives With Derivative Dealer Counterparties Represents the monetary amount of Termination Value of Derivatives With Derivative Dealer Counterparties, as of the indicated date. Balance Sheet Hedge Represents the Balance Sheet Hedge, during the indicated time period. Derivative Instruments Not Designated as Hedging Instruments Fair Value Hierarchy Level Represents the pure numeric value of Fair Value Hierarchy Level, as of the indicated date. Line of Credit 3.00% - 3.99% Represents the 3.00% - 3.99%, during the indicated time period. Other real estate owned not acquired through foreclosure Represents the monetary amount of Other real estate owned not acquired through foreclosure, as of the indicated date. Impaired Financing Receivable Interest Income Recognized Represents the monetary amount of Impaired Financing Receivable Interest Income Recognized, during the indicated time period. Collectively evaluated for impairment {1} Financing Receivable, Collectively Evaluated for Impairment Collectively evaluated for impairment Loans Receivable {1} Loans Receivable Represents the monetary amount of Loans Receivable, as of the indicated date. Acquired Loans Net of Discount Represents the Acquired Loans Net of Discount, during the indicated time period. Available for Sale Securities Fair Value Represents the monetary amount of Available for Sale Securities Fair Value, as of the indicated date. Available For Sale Securities Amortized Cost Amount Schedule of Derivative Instruments in Statement of Financial Position, Fair Value Schedule of Earnings Per Share, Basic and Diluted Sun Security Bank Represents the Sun Security Bank, during the indicated time period. Vantus Bank Represents the Vantus Bank, during the indicated time period. Note 14: Income Taxes Note 8: Other Real Estate Owned NOTE 1: BASIS OF PRESENTATION CASH FLOWS FROM FINANCING ACTIVITIES Accrued expenses and other liabilities {1} Accrued expenses and other liabilities Interest receivable {1} Interest receivable Deferred income taxes Net (gains) losses on sale of premises and equipment Net (gains) losses on sale of premises and equipment Statement [Line Items] Treasury Stock Expense on other real estate and repossessions Represents the monetary amount of Expense on other real estate and repossessions, during the indicated time period. Office supplies and printing Insurance Loss on derivative interest rate products Loss on derivative interest rate products NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES Subordinated debentures issued to capital trust {1} Subordinated debentures issued to capital trust Preferred Stock, Shares Authorized Stockholders' Equity: Entity File Number Small Business Trading Symbol Derivative Liability {1} Derivative Liability Financial Instruments, Owned, at Fair Value Short-term Debt {1} Short-term Debt Interest payable Represents the Interest payable, during the indicated time period. Effective Income Tax Rate Reconciliation, Tax Credit, Percent Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent Short-term debt recorded value Represents the monetary amount of Short-term debt recorded value, as of the indicated date. Securities for Reverse Repurchase Agreements Net impact of acquired loan pools to net of taxes Represents the monetary amount of Net impact of acquired loan pools to net of taxes, during the indicated time period. Gross loans receivable Loan Portfolio Internal Grading System Classification Represents the monetary amount of Loan Portfolio Internal Grading System Classification, as of the indicated date. Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss Agreements with Derivative Counterparties Represents the textual narrative disclosure of Agreements with Derivative Counterparties, during the indicated time period. Fair Value Subordinated Debentures Policy Represents the textual narrative disclosure of Fair Value Subordinated Debentures Policy, during the indicated time period. Fair Value Loans Held for Sale Policy Represents the textual narrative disclosure of Fair Value Loans Held for Sale Policy, during the indicated time period. TeamBank Represents the TeamBank, during the indicated time period. Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies Net increase in checking and savings deposits Proceeds from sales of available-for-sale securities Proceeds from sales of available-for-sale securities Reclassification of Treasury Stock per Maryland Law Represents the monetary amount of Reclassification of Treasury Stock per Maryland Law, during the indicated time period. Other Comprehensive Income (Loss) INCOME BEFORE INCOME TAXES Acquired deposit intangible asset amortization Represents the monetary amount of Acquired deposit intangible asset amortization, during the indicated time period. Common Stock, Shares Authorized Total Stockholders' Equity Total Stockholders' Equity Additional paid-in capital Interest receivable Registrant CIK Net liability position Represents the Net liability position, during the indicated time period. Investments {1} Investments Statement of Income Represents the Statement of Income, during the indicated time period. Finance Lease, Liability Change in expected accretable yield Represents the monetary amount of Change in expected accretable yield, during the indicated time period. Accretable yield adjustment affecting interest income Represents the monetary amount of Accretable yield adjustment affecting interest income, as of the indicated date. Special Mention Internal Credit Assessment [Axis] Newly Restructured Modified Loans Represents the Newly Restructured Modified Loans, during the indicated time period. Collectively evaluated for impairment Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment Position Financial Asset, Period Past Due Commercial Loan Land Improvements {1} Land Improvements Schedule Of Financial Instruments Fair Value Represents the textual narrative disclosure of Schedule Of Financial Instruments Fair Value, during the indicated time period. Schedule of Short-term Debt Nondesignated Hedges Represents the textual narrative disclosure of Nondesignated Hedges, during the indicated time period. NOTE 3: RECENT ACCOUNTING PRONOUNCEMENTS Purchase of the Company's common stock {1} Purchase of the Company's common stock CASH FLOWS FROM INVESTING ACTIVITIES Common Stock Advertising Preferred Stock, Shares Outstanding Accrued interest payable Deposits Deposits Total Assets Total Assets Amendment Flag Entity Incorporation, State or Country Code Document Quarterly Report Details Balance Sheet Location Investment Type [Axis] Financial assets Represents the Financial assets, during the indicated time period. Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent Long-term Debt, Type [Axis] Repurchase Agreements and Similar Transactions, Maturity Periods Interest portion of lease payments Represents the monetary amount of Interest portion of lease payments, as of the indicated date. Operating Cash Flows from Operating Leases Represents the monetary amount of Operating Cash Flows from Operating Leases, during the indicated time period. Statement of Financial Position Represents the Statement of Financial Position, during the indicated time period. Net impact of acquired loan pools to pre-tax income Represents the monetary amount of Net impact of acquired loan pools to pre-tax income, during the indicated time period. Statistical Measurement Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts Troubled Debt Restructuring Loans Interest Only Represents the monetary amount of Troubled Debt Restructuring Loans Interest Only, during the indicated time period. All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model Financing Receivables Past Due Represents the Financing Receivables Past Due, during the indicated time period. Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One Available-for-sale Securities, Gross Unrealized Loss Available-for-sale Securities, Gross Unrealized Gain Weighted Average Number Diluted Shares Outstanding Adjustment Weighted Average Number of Shares Outstanding, Diluted Calculated Amount of Right of Use Assets and Lease Liabilities Property, Plant and Equipment Schedule of Major Classifications of Foreclosed Assets Represents the textual narrative disclosure of Schedule of Major Classifications of Foreclosed Assets, during the indicated time period. Schedule of Accounts, Notes, Loans and Financing Receivable Fair Value Short Term Borrowings Policy Represents the textual narrative disclosure of Fair Value Short Term Borrowings Policy, during the indicated time period. Stock options exercised Purchase of available-for-sale securities Purchase of available-for-sale securities Tax Effect of Change in Fair Value of Cash Flow Hedge Taxes Represents the monetary amount of Tax Effect of Change in Fair Value of Cash Flow Hedge Taxes, during the indicated time period. Change in fair value of cash flow hedge, net Change in fair value of cash flow hedge, net Represents the monetary amount of Change in fair value of cash flow hedge, net, during the indicated time period. Short-term borrowings and repurchase agreements Deposits {1} Deposits Preferred Stock, Par or Stated Value Per Share Loans and Leases Receivable, Allowance Liabilities: Cash and cash equivalents CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD CASH AND CASH EQUIVALENTS, END OF PERIOD Voluntary filer Income Statement Location [Axis] Prepaid Expenses and Other Current Assets Interest Rate Swap Derivative Instrument [Axis] Financial Instruments Owned Carrying Amount Represents the monetary amount of Financial Instruments Owned Carrying Amount, as of the indicated date. Subordinated Debt {1} Subordinated Debt 4.00% - 4.99% Represents the 4.00% - 4.99%, during the indicated time period. Finance Lease, Right-of-Use Asset, after Accumulated Amortization Furniture, fixtures and equipment Foreclosed assets held for sale and repossessions, net Represents the monetary amount of Foreclosed assets held for sale and repossessions, net, as of the indicated date. CARES Act Loan Modifications Represents the monetary amount of CARES Act Loan Modifications, as of the indicated date. End of Period Represents the End of Period, during the indicated time period. Beginning of Period Represents the Beginning of Period, during the indicated time period. Financing Receivable, Nonaccrual SEC Schedule, 12-09, Valuation Allowances and Reserves Receivable Type [Axis] Industrial revenue bonds Represents the Industrial revenue bonds, during the indicated time period. Owner occupied one- to four-family residential Represents the Owner occupied one- to four-family residential, during the indicated time period. Available For Sale Securities Amortized Cost of Contractual Maturities Represents the monetary amount of Available For Sale Securities Amortized Cost of Contractual Maturities, during the indicated time period. Financial Instruments Impaired Financing Receivables Financing Receivable, Nonaccrual {1} Financing Receivable, Nonaccrual Schedule of Loans Classified by Aging Analysis Represents the textual narrative disclosure of Schedule of Loans Classified by Aging Analysis, during the indicated time period. Business Acquisition, Acquiree Note 13: Subordinated Notes Proceeds from termination of interest rate derivative Represents the monetary amount of Proceeds from termination of interest rate derivative, during the indicated time period. Net change in loans Net change in loans Purchase of the Company's common stock Purchase of the Company's common stock Reclassification adjustment for gains included in net income, net of taxes of $18 and $2, for 2020 and 2019, respectively Reclassification adjustment for gains included in net income, net of taxes of $18 and $0, for 2020 and 2019, respectively Mortgage loans held for sale Represents the monetary amount of Mortgage loans held for sale, as of the indicated date. Cash City Area Code Entity Address, City or Town Registrant Name Derivative Counterparties Collateral Represents the monetary amount of Derivative Counterparties Collateral, as of the indicated date. Investment in FHLBank stock and other interest-earning assets Represents the Investment in FHLBank stock and other interest-earning assets, during the indicated time period. Mortgage loans held for sale {1} Mortgage loans held for sale Represents the Mortgage loans held for sale, during the indicated time period. Fair Value Hierarchy and NAV [Axis] Effective Income Tax Rate Reconciliation, Percent Unamortized Debt Issuance Expense Other Real Estate Owned (Branches) Held for Sale Represents the pure numeric value of Other Real Estate Owned (Branches) Held for Sale, as of the indicated date. Remaining accretable yield adjustment affecting interest income Represents the monetary amount of Remaining accretable yield adjustment affecting interest income, during the indicated time period. Troubled Debt Restructured Loans and Impaired Represents the monetary amount of Troubled Debt Restructured Loans and Impaired, during the indicated time period. Loans Receivable weighted average interest rate Represents the Loans Receivable weighted average interest rate, as of the indicated date. Loans Receivable Gross Represents the Loans Receivable Gross, during the indicated time period. Fair Value, Assets and Liabilities Measured on Nonrecurring Basis Unrealized Gain (Loss) on Investments {1} Unrealized Gain (Loss) on Investments Fair Value Impaired Loans Policy Represents the textual narrative disclosure of Fair Value Impaired Loans Policy, during the indicated time period. Proceeds from issuance of subordinated notes Redemption of Federal Home Loan Bank stock and change in other interest-earning assets Compensation expense for stock option grants TOTAL INTEREST EXPENSE Goodwill and other intangible assets Entity Address, Postal Zip Code Emerging Growth Company Interactive Data Current Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value Noninterest income related to changes in the fair value of derivative Represents the monetary amount of Noninterest income related to changes in the fair value of derivative, during the indicated time period. Unrecognized financial instruments (net of contractual value) Represents the Unrecognized financial instruments (net of contractual value), during the indicated time period. Effective Income Tax Rate Reconciliation, Other Adjustments, Percent Effective Income Tax Rate Reconciliation, Tax Exempt Income, Percent Other Short-term Borrowings Non-interest-bearing demand deposits Non-interest-bearing demand deposits Operating Leases, Future Minimum Payments, Due in Four Years Statement of Financial Condition Represents the Statement of Financial Condition, during the indicated time period. Total foreclosed assets expenses Represents the monetary amount of Total foreclosed assets expenses, during the indicated time period. Single Family Residential Mortgage Represents the Single Family Residential Mortgage, during the indicated time period. Troubled Debt Restructurings Total New Modifications Represents the monetary amount of Troubled Debt Restructurings Total New Modifications, during the indicated time period. Impaired Financing Receivable, Unpaid Principal Balance Non-owner occupied one- to four-family residential Represents the Non-owner occupied one- to four-family residential, during the indicated time period. Other than Temporary Impairment, Credit Losses Recognized in Earnings, Reductions, Securities Sold Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss Available For Sale Securities Fair Value of Contractual Maturities Represents the monetary amount of Available For Sale Securities Fair Value of Contractual Maturities, during the indicated time period. Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) FDIC Indemnification Asset Policy Fair Value Deposits and Accrued Interest Payable Policy Represents the textual narrative disclosure of Fair Value Deposits and Accrued Interest Payable Policy, during the indicated time period. Fair Value Foreclosed Assets Held for Sale Policy Represents the textual narrative disclosure of Fair Value Foreclosed Assets Held for Sale Policy, during the indicated time period. Dividends paid Dividends paid Purchase of loans Purchase of loans Changes in Represents the description of Changes in, during the indicated time period. Stockholders' Equity, Total Concentration Risk Benchmark [Axis] Statement Tax Effect of Unrealized Appreciation (Depreciation) on Available for Sale Securities Taxes (Credit) Represents the monetary amount of Tax Effect of Unrealized Appreciation (Depreciation) on Available for Sale Securities Taxes (Credit), during the indicated time period. Dividends Declared Per Common Share PROVISION FOR INCOME TAXES PROVISION FOR INCOME TAXES Legal, audit and other professional fees NET INTEREST INCOME INTEREST INCOME Commitments and Contingencies Retained earnings Accrued expenses and other liabilities Accrued expenses and other liabilities Securities sold under reverse repurchase agreements with customers Securities sold under reverse repurchase agreements with customers Amendment Description Number of common stock shares outstanding Net asset position Represents the Net asset position, during the indicated time period. Effect of derivative instruments on the statements of comprehensive income Represents the monetary amount of Effect of derivative instruments on the statements of comprehensive income, during the indicated time period. Interest rate derivative liability Represents the Interest rate derivative liability, during the indicated time period. 0.00% - 0.99% Represents the 0.00% - 0.99%, during the indicated time period. Operating Leases, Future Minimum Payments, Due Thereafter Operating Lease, Expense Right of Use Asset, Operating Leases Represents the monetary amount of Right of Use Asset, Operating Leases, during the indicated time period. Reclassification of discounts from non-accretable to accretable (adjustment) Represents the monetary amount of Reclassification of discounts from non-accretable to accretable (adjustment), during the indicated time period. Maximum Satisfactory Represents the Satisfactory, during the indicated time period. Internal Credit Assessment Commercial Borrower Class of Financing Receivable, Type of Borrower Collateralized Mortgage Backed Securities Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five Options to purchase shares of common stock outstanding not included in computation of diluted earnings per share because exercise price greater than average market price Represents the Options to purchase shares of common stock outstanding not included in computation of diluted earnings per share because exercise price greater than average market price (number of shares), during the indicated time period. Net Income (Loss) Available to Common Stockholders, Diluted Cash Flow Hedges Represents the textual narrative disclosure of Cash Flow Hedges, during the indicated time period. Risk Management Objective of Using Derivatives Represents the textual narrative disclosure of Risk Management Objective of Using Derivatives, during the indicated time period. Notes INCREASES (DECREASES) IN CASH AND CASH EQUIVALENTS Net losses on sale/write-down of other real estate owned and repossessions Represents the monetary amount of Net losses on sale/write-down of other real estate owned and repossessions, during the indicated time period. Net realized gains on sales of available-for-sale securities {1} Net realized gains on sales of available-for-sale securities Equity Balance Equity Balance Equity Balance Concentration Risk Benchmark Retained Earnings Late charges and fees on loans Represents the monetary amount of Late charges and fees on loans, during the indicated time period. Net gains on loan sales Net gains on loan sales TOTAL INTEREST INCOME TOTAL INTEREST INCOME Common Stock, Shares, Issued Document Fiscal Period Focus Entity Address, State or Province Current with reporting Period End date Junior Subordinated Debt Interest receivable {2} Interest receivable Represents the Interest receivable, during the indicated time period. Fair Value Hierarchy and NAV Other interest-bearing liabilities Represents the monetary amount of Other interest-bearing liabilities, as of the indicated date. Operating leases Represents the monetary amount of Operating leases, during the indicated time period. Operating Lease, Weighted Average Discount Rate, Percent Foreclosed assets acquired through FDIC-assisted transactions, net Represents the monetary amount of Foreclosed assets acquired through FDIC-assisted transactions, net, as of the indicated date. Impact of acquired loan pools on net interest income Represents the monetary amount of Impact of acquired loan pools on net interest income, during the indicated time period. Impaired Financing Receivable, Average Recorded Investment Individually evaluated for impairment {1} Financing Receivable, Individually Evaluated for Impairment Individually evaluated for impairment Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses Less Acquired Loans Net of Discount Represents the Less Acquired Loans Net of Discount, during the indicated time period. Financing Receivables Total Represents the Financing Receivables Total, during the indicated time period. Financial Asset, 60 to 89 Days Past Due Undisbursed portion of loans in process Represents the Undisbursed portion of loans in process, during the indicated time period. Available-for-sale Securities, Gross Realized Losses Debt Securities Reported Less Than Their Historical Cost Percent of Investment Portfolio Represents the Debt Securities Reported Less Than Their Historical Cost Percent of Investment Portfolio, as of the indicated date. Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost US States and Political Subdivisions Debt Securities Schedule of Repurchase Agreements Financing Receivable Credit Quality Indicators Tables/Schedules Segment Reporting, Policy Net cash provided by financing activities Net cash provided by financing activities Advances from borrowers for taxes and insurance {1} Advances from borrowers for taxes and insurance Net cash used in investing activities Items not requiring (providing) cash: Amortization of Realized Gain on Termination of Cash Flow Hedge, Net Represents the monetary amount of Amortization of Realized Gain on Termination of Cash Flow Hedge, Net, during the indicated time period. NET INCOME AND NET INCOME AVAILABLE TO COMMON STOCKHOLDERS Net Income Telephone Postage NON-INTEREST EXPENSE Service charges and ATM fees Represents the monetary amount of Service charges and ATM fees, during the indicated time period. Investment securities and other Common Stock, Par or Stated Value Per Share Accumulated other comprehensive income Subordinated debentures issued to capital trust Subordinated debentures issued to capital trust Interest-bearing deposits in other financial institutions Entity Listing, Par Value Per Share Title of 12(b) Security Shell Company Public Float Interest Rate Swap Interest Income Represents the monetary amount of Interest Rate Swap Interest Income, during the indicated time period. Deposits {2} Deposits Foreclosed assets held for sale Represents the Foreclosed assets held for sale, during the indicated time period. Subordinated Debt Proceeds from Issuance of Senior Long-term Debt Debt Instrument, Interest Rate Terms Operating Lease, Liability Operating Leases, Future Minimum Payments, Due in Five Years Operating Leases, Future Minimum Payments, Due in Three Years Lessee Expected Lease Terms Represents the description of Lessee Expected Lease Terms, during the indicated time period. Buildings and improvements Land Watch Represents the Watch, during the indicated time period. Troubled Debt Restructuring Loans Modified Term Represents the monetary amount of Troubled Debt Restructuring Loans Modified Term, during the indicated time period. Impaired Loans With Specific Valuation Allowance Represents the monetary amount of Impaired Loans With Specific Valuation Allowance, as of the indicated date. Financing Receivables Current Represents the Financing Receivables Current, during the indicated time period. SEC Schedule, 12-09, Allowance, Credit Loss Long-Lived Tangible Asset [Axis] Fair Value of Debt Securities Reported Less Than Their Historical Cost Represents the monetary amount of Fair Value of Debt Securities Reported Less Than Their Historical Cost, as of the indicated date. Debt Securities, Held-to-maturity Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10 Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five Small Business Administration securities Represents the Small Business Administration securities, during the indicated time period. Fair Value, Assets Measured on Recurring Basis Schedule of Expenses Applicable to Foreclosed Assets Represents the textual narrative disclosure of Schedule of Expenses Applicable to Foreclosed Assets, during the indicated time period. Business Acquisition [Axis] NOTE 4: EARNINGS PER SHARE Proceeds from sale of other real estate owned and repossessions Proceeds from sale of premises and equipment Accretion of deferred income, premiums, discounts and other Accretion of deferred income, premiums, discounts and other CASH FLOWS FROM OPERATING ACTIVITIES Other comprehensive gain TOTAL NON-INTEREST EXPENSE Tax Identification Number (TIN) Fiscal Year End Loan Level Swap Represents the Loan Level Swap, during the indicated time period. Income Statement Location Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value Interest rate products Represents the Interest rate products, during the indicated time period. Cash and Cash Equivalents Asset Class [Axis] Senior Subordinated Notes 2.00% - 2.99% Represents the 2.00% - 2.99%, during the indicated time period. Income Recognized From Lessor Agreements Represents the monetary amount of Income Recognized From Lessor Agreements, during the indicated time period. Operating Lease, Payments Operating leases right of use asset Operating leases right of use asset Mortgage Loans in Process of Foreclosure, Amount Number of CARES Act Loan Modifications Represents the pure numeric value of Number of CARES Act Loan Modifications, as of the indicated date. Impaired Financing Receivable, Related Allowance Accounts Receivable, Allowance for Credit Loss, Recovery Loans Receivable Deferred loan fees and gains, net Represents the Deferred loan fees and gains, net, during the indicated time period. One- to four-family residential construction Represents the One- to four-family residential construction, during the indicated time period. Mortgage-backed Securities, Issued by US Government Sponsored Enterprises Subordinated Notes Policy Represents the textual narrative disclosure of Subordinated Notes Policy, during the indicated time period. Business Combinations Policy Valley Bank Represents the Valley Bank, during the indicated time period. Purchase of premises and equipment Purchase of premises and equipment Tax Effect (Credit) on Amortization of Realized Gain on Termination of Cash Flow Hedge Represents the monetary amount of Tax Effect (Credit) on Amortization of Realized Gain on Termination of Cash Flow Hedge, during the indicated time period. Tax Effect Reclassification Adjustment for Gains Included in Net Income Taxes (Credit) Taxes Represents the monetary amount of Tax Effect Reclassification Adjustment for Gains Included in Net Income Taxes (Credit) Taxes, during the indicated time period. TOTAL NON-INTEREST INCOME TOTAL NON-INTEREST INCOME Commissions NON-INTEREST INCOME Provision for Loan and Lease Losses PROVISION FOR LOAN LOSSES Subordinated notes {1} Subordinated notes Common Stock, Shares, Outstanding Serial preferred stock -$.01 par value; authorized 1,000,000 shares; issued and outstanding June 2020 and December 2019 - - 0- shares Serial preferred stock -$.01 par value; authorized 1,000,000 shares; issued and outstanding June 2020 and December 2019 - - 0- shares LIABILITIES AND STOCKHOLDERS' EQUITY Commercial Lending Customer Represents the Commercial Lending Customer, during the indicated time period. Derivatives Designated as Hedging Instruments Represents the monetary amount of Derivatives Designated as Hedging Instruments, as of the indicated date. Balance Sheet Location [Axis] Derivative Contract Asset Class Securities Sold under Agreements to Repurchase, Fair Value of Collateral Time Deposits: Time Deposits: 1.00% - 1.99% Represents the 1.00% - 1.99%, during the indicated time period. Operating Leases, Future Minimum Payments, Remainder of Fiscal Year Liability, Operating Leases Represents the monetary amount of Liability, Operating Leases, during the indicated time period. Impact of acquired loan pools to diluted earnings per common share Represents the per-share monetary value of Impact of acquired loan pools to diluted earnings per common share, during the indicated time period. Minimum Expected loss remaining Doubtful Financing Receivables, By Class Represents the monetary amount of Financing Receivables, By Class, as of the indicated date. SEC Schedule, 12-09, Valuation Allowances and Reserves Type [Axis] Home Equity Line of Credit Other than Temporary Impairment Losses, Investments, Available-for-sale Securities Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 Collateralized Mortgage Obligations Fair Value Commitments to Originate Loans, Letters of Credit and Lines of Credit Policy Represents the textual narrative disclosure of Fair Value Commitments to Originate Loans, Letters of Credit and Lines of Credit Policy, during the indicated time period. Fair Value Cash and Cash Equivalents and Federal home Loan Bank Stock Policy Represents the textual narrative disclosure of Fair Value Cash and Cash Equivalents and Federal home Loan Bank Stock Policy, during the indicated time period. InterBank Represents the InterBank, during the indicated time period. Loan Portfolio Credit Quality Internal Grading System Policy Represents the textual narrative disclosure of Loan Portfolio Credit Quality Internal Grading System Policy, during the indicated time period. Policies Note 16: Derivatives and Hedging Activities Note 15: Disclosures About Fair Value of Financial Instruments Common dividends declared Common dividends declared Represents the monetary amount of Common dividends declared, during the indicated time period. Stock issued under Stock Option Plan Equity Components [Axis] Comprehensive Income Earnings Per Share, Diluted Diluted Earnings Per Common Share Advances from borrowers for taxes and insurance Advances from borrowers for taxes and insurance Letter of Credit Financial liabilities Represents the Financial liabilities, during the indicated time period. Non-recurring Assets, Fair Value Disclosure Represents the monetary amount of Non-recurring Assets, Fair Value Disclosure, as of the indicated date. Fair Value, Inputs, Level 1 Repurchase Agreements and Similar Transactions, Maturity Periods [Axis] Advances from Federal Home Loan Banks Total Deposits Total Deposits Operating Leases, Future Minimum Payments, Due in Two Years Lease expense related to ATMs Represents the monetary amount of Lease expense related to ATMs, during the indicated time period. FDIC Indemnification Asset Net Carrying Value to Loans Receivable Represents the monetary amount of FDIC Indemnification Asset Net Carrying Value to Loans Receivable, as of the indicated date. Construction and Land Development Represents the Construction and Land Development, during the indicated time period. Position [Axis] Financing Receivables Greater Than 90 Days Past Due and Still Accruing Represents the Financing Receivables Greater Than 90 Days Past Due and Still Accruing, during the indicated time period. Financial Asset, 30 to 59 Days Past Due Long-Lived Tangible Asset Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10 Net effect of dilutive stock options - based on the treasurystock method using average market price Represents the Net effect of dilutive stock options - based on the treasurystock method using average market price (number of shares), during the indicated time period. Net Income (Loss) Available to Common Stockholders, Basic Net Income (Loss) Available to Common Stockholders, Basic Schedule of Deposit Liabilities Represents the textual narrative disclosure of Schedule of Deposit Liabilities, during the indicated time period. Financing Receivable, Allowance for Credit Loss {1} Financing Receivable, Allowance for Credit Loss Investment Securities Represents the textual narrative disclosure of Investment Securities, during the indicated time period. Note 9: Premises and Equipment NOTE 5: INVESTMENT SECURITIES NOTE 2: NATURE OF OPERATIONS AND OPERATING SEGMENTS Net increase (decrease) in certificates of deposit Prepaid expenses and other assets {1} Prepaid expenses and other assets Amortization Originations of loans held for sale Originations of loans held for sale Proceeds from sales of loans held for sale Net Income {1} Net Income Other operating expenses Net realized gains on sales of available-for-sale securities Represents the monetary amount of Net realized gains on sales of available-for-sale securities, during the indicated time period. Short-term borrowings and other interest-bearing liabilities Loans receivable, net of allowance for loan losses of $49,801 - June 2020; $40,294 - December 2019 Ex Transition Period Filer Category Noninterest income related to changes in the fair value of derivative {1} Noninterest income related to changes in the fair value of derivative Credit Facility [Axis] Recurring Assets, Fair Value Disclosure Represents the monetary amount of Recurring Assets, Fair Value Disclosure, as of the indicated date. Subordinated Borrowing, Interest Rate Long-term Debt, Type Maturity Overnight and on Demand Notes payable - Community Development Equity Funds Represents the monetary amount of Notes payable - Community Development Equity Funds, as of the indicated date. Operating Leases, Future Minimum Payments Due, Next Twelve Months Valuation write-downs on foreclosed assets Represents the monetary amount of Valuation write-downs on foreclosed assets, during the indicated time period. Acquired Loans Represents the Acquired Loans, during the indicated time period. Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion Balance of accretable discount due to change in expected losses Balance of accretable discount due to change in expected losses One to Four Family Residential Represents the One to Four Family Residential, during the indicated time period. Troubled Debt Restructurings Accruing Interest Represents the monetary amount of Troubled Debt Restructurings Accruing Interest, during the indicated time period. Troubled Debt Restructuring Loans Modified Combination Represents the monetary amount of Troubled Debt Restructuring Loans Modified Combination, during the indicated time period. Individually evaluated for impairment Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment Financial Asset, Period Past Due [Axis] Subdivision construction Represents the Subdivision construction, during the indicated time period. Financial Instrument [Axis] Income Tax, Policy Earnings Per Share, Policy NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS Increase (Decrease) in Short-Term Borrowings, Net Represents the monetary amount of Increase (Decrease) in Short-Term Borrowings, Net, during the indicated time period. Capitalized costs on other real estate owned Income taxes refundable/payable Additional Paid-in Capital Partnership tax credit investment amortization Partnership tax credit investment amortization Represents the monetary amount of Partnership tax credit investment amortization, during the indicated time period. Preferred Stock, Shares Issued Total Liabilities and Stockholders' Equity Total Liabilities and Stockholders' Equity Subordinated notes Federal Home Loan Bank stock and other interest-earning assets Federal Home Loan Bank stock and other interest-earning assets Other real estate owned and repossessions Other real estate owned and repossessions, net EX-101.PRE 8 gsbc-20200630_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT EX-101.SCH 9 gsbc-20200630.xsd XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 000350 - Disclosure - Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Loans Held for Sale Policy (Policies) link:presentationLink link:definitionLink link:calculationLink 000050 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) link:presentationLink link:definitionLink link:calculationLink 001260 - Disclosure - Note 15: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Details) 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(the "Company" or "Great Southern") have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. The financial statements presented herein reflect all adjustments which are, in the opinion of management, necessary to fairly present the financial condition, results of operations, changes in stockholders’ equity and cash flows of the Company as of the dates and for the periods presented. Those adjustments consist only of normal recurring adjustments. Operating results for the three and six months ended June 30, 2020 are not necessarily indicative of the results that may be expected for the full year. The consolidated statement of financial condition of the Company as of December 31, 2019, has been derived from the audited consolidated statement of financial condition of the Company as of that date.  Certain prior period amounts have been reclassified to conform to the current period presentation.  These reclassifications had no effect on net income.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Certain information and note disclosures normally included in the Company's annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted. These condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's <i>Annual Report on Form 10-K </i>for the year ended December 31, 2019 filed with the Securities and Exchange Commission.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The accompanying unaudited interim consolidated financial statements of Great Southern Bancorp, Inc. (the "Company" or "Great Southern") have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. The financial statements presented herein reflect all adjustments which are, in the opinion of management, necessary to fairly present the financial condition, results of operations, changes in stockholders’ equity and cash flows of the Company as of the dates and for the periods presented. Those adjustments consist only of normal recurring adjustments. Operating results for the three and six months ended June 30, 2020 are not necessarily indicative of the results that may be expected for the full year. The consolidated statement of financial condition of the Company as of December 31, 2019, has been derived from the audited consolidated statement of financial condition of the Company as of that date.  Certain prior period amounts have been reclassified to conform to the current period presentation.  These reclassifications had no effect on net income.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Certain information and note disclosures normally included in the Company's annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted. These condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's <i>Annual Report on Form 10-K </i>for the year ended December 31, 2019 filed with the Securities and Exchange Commission.</p> <p style="font:10pt Times New Roman;margin:0">NOTE 2: NATURE OF OPERATIONS AND OPERATING SEGMENTS</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The Company operates as a one-bank holding company.  The Company’s business primarily consists of the operations of Great Southern Bank (the “Bank”), which provides a full range of financial services to customers primarily located in Missouri, Iowa, Kansas, Minnesota, Nebraska and Arkansas.  The Bank also originates commercial loans from lending offices in Atlanta, Ga., Chicago, Ill., Dallas, Texas, Denver, Colo., Omaha, Neb. and Tulsa, Okla.  The Company and the Bank are subject to regulation by certain federal and state agencies and undergo periodic examinations by those regulatory agencies.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The Company’s banking operation is its only reportable segment.  The banking operation is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans by attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others.  The operating results of this segment are regularly reviewed by management to make decisions about resource allocations and to assess performance.  Selected information is not presented separately for the Company’s reportable segment, as there is no material difference between that information and the corresponding information in the consolidated financial statements.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The Company’s banking operation is its only reportable segment.  The banking operation is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans by attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others.  The operating results of this segment are regularly reviewed by management to make decisions about resource allocations and to assess performance.  Selected information is not presented separately for the Company’s reportable segment, as there is no material difference between that information and the corresponding information in the consolidated financial statements.</p> <p style="font:10pt Times New Roman;margin:0">NOTE 3: RECENT ACCOUNTING PRONOUNCEMENTS </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326).  The Update amends guidance on reporting credit losses for assets held at amortized cost basis and available for sale debt securities. For assets held at amortized cost basis, Topic 326 eliminates the probable initial recognition threshold in current GAAP and, instead, requires an entity to reflect its current estimate of all expected credit losses. This Update affects entities holding financial assets and net investment in leases that are not accounted for at fair value through net income. The amendments affect loans, debt securities, trade receivables, net investments in leases, off balance sheet credit exposures, reinsurance receivables, and any other financial assets not excluded from the scope that have the contractual right to receive cash.  The Update was set to be effective for the Company on January 1, 2020.  During March 2020, pursuant to the recently-enacted Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) and guidance from the Securities and Exchange Commission (the “SEC”) and the Financial </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Accounting Standards Board (the “FASB”), we elected to delay adoption of the new accounting standard related to accounting for credit losses (“CECL”).  Our second quarter and year-to-date financial statements are prepared under the existing incurred loss methodology standard for accounting for loan losses.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The adoption of the CECL model will require us to recognize a one-time cumulative adjustment to our allowance for loan losses and a liability for potential losses related to the unfunded portion of our loans and commitments in order to fully transition from the incurred loss model to the CECL model. Upon initial adoption, we expect to increase the balance of our allowance for credit losses in a range of $11 million to $14 million and create a liability for potential losses related to the unfunded portion of our loans and commitments in a range of $7 million to $10 million.  The after-tax effect of this is expected to result in a decrease in our retained earnings of $14 million to $18 million.  Further, we have analyzed the impact on our financial statements at and for the six months ended June 30, 2020 as if we had adopted the CECL accounting standard on January 1, 2020. In addition to the impact from the initial adoption above, under CECL we would expect to further increase the balance of our allowance for credit losses in a range of $3 million to $7 million through a corresponding increase in provision for credit losses during the six months ended June 30, 2020.  This is in addition to the $9.9 million of provision expense already recorded under the incurred loss method during the six months ended June 30, 2020. The liability for potential losses related to the unfunded portion of our loans and commitments would be expected to have no material change during the six months ended June 30, 2020. These estimates are subject to change as material assumptions are refined and model validations are completed.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">In January 2017, the FASB issued ASU No. 2017-04, Intangibles: Goodwill and Other: Simplifying the Test for Goodwill Impairment (Topic 350). To simplify the subsequent measurement of goodwill, the amendments eliminate Step 2 from the goodwill impairment test. The annual, or interim, goodwill impairment test should be performed by comparing the fair value of a reporting unit with its carrying amount and an impairment charge should be recognized for the amount by which the carrying amount exceeds the reporting unit’s fair value.  An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the qualitative impairment test is necessary.  The nature of and reason for the change in accounting principle should be disclosed upon transition. The amendments in this update are required for annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. The impact of adopting this new guidance during the quarter ended March 31, 2020 did not have a material impact on the Company’s consolidated financial statements. At June 30, 2020, the Company evaluated the current circumstances brought about by the COVID-19 pandemic and its effect on the valuation of the Company and other bank holding companies and determined that no triggering event had occurred requiring an evaluation of goodwill or other intangible asset impairment.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820) - Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. ASU 2018-13 modifies the disclosure requirements on fair value measurements in Topic 820. The amendments in this update remove disclosures that no longer are considered cost beneficial, modify/clarify the specific requirements of certain disclosures, and add disclosure requirements identified as relevant. ASU 2018-13 is effective for periods beginning after December 15, 2019.  The impact of adopting this new guidance during the quarter ended March 31, 2020 did not have a material impact on the Company’s consolidated financial statements.</p> <p style="font:10pt Times New Roman;margin:0">NOTE 4: EARNINGS PER SHARE</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td colspan="5" style="width:37.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Three Months Ended June 30,</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td colspan="2" style="width:18.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2020</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:18.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2019</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td colspan="5" style="width:37.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands, Except Per Share Data)</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Basic:</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Average common shares outstanding</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,084</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,192</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net income and net income available to common stockholders </p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">13,203</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">18,375</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Per common share amount</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">0.94</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">1.29</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Diluted:</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Average common shares outstanding</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,084</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,192</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net effect of dilutive stock options – based on the treasury</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:21.6pt;color:#000000">stock method using average market price</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">40</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">122</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Diluted common shares</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,124</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,314</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net income and net income available to common stockholders </p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">13,203</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">18,375</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Per common share amount</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">0.93</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">1.28</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td colspan="5" style="width:37.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Six Months Ended June 30,</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td colspan="2" style="width:18.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2020</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:18.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2019</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td colspan="5" style="width:37.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands, Except Per Share Data)</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Basic:</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Average common shares outstanding</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,153</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,176</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net income and net income available to common stockholders </p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">28,071</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">35,988</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Per common share amount</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">1.98</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">2.54</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Diluted:</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Average common shares outstanding</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,153</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,176</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net effect of dilutive stock options – based on the treasury</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:21.6pt;color:#000000">stock method using average market price</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">56</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">122</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Diluted common shares</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,209</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,298</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net income and net income available to common stockholders </p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">28,071</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">35,988</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Per common share amount</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">1.98</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">2.52</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Options outstanding at June 30, 2020 and 2019, to purchase 653,794 and 309,000 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the three month periods because the exercise prices of such options were greater than the average market prices of the common stock for the three months ended June 30, 2020 and 2019, respectively.  Options outstanding at June 30, 2020 and 2019, to purchase 565,401 and 309,000 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the six month periods because the exercise prices of such options were greater than the average market prices of the common stock for the six months ended June 30, 2020 and 2019, respectively.  </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td colspan="5" style="width:37.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Three Months Ended June 30,</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td colspan="2" style="width:18.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2020</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:18.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2019</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td colspan="5" style="width:37.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands, Except Per Share Data)</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Basic:</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Average common shares outstanding</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,084</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,192</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net income and net income available to common stockholders </p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">13,203</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">18,375</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Per common share amount</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">0.94</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">1.29</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Diluted:</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Average common shares outstanding</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,084</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,192</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net effect of dilutive stock options – based on the treasury</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:21.6pt;color:#000000">stock method using average market price</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">40</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">122</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Diluted common shares</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,124</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,314</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net income and net income available to common stockholders </p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">13,203</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">18,375</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Per common share amount</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">0.93</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">1.28</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td colspan="5" style="width:37.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Six Months Ended June 30,</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td colspan="2" style="width:18.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2020</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:18.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2019</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td colspan="5" style="width:37.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands, Except Per Share Data)</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Basic:</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Average common shares outstanding</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,153</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,176</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net income and net income available to common stockholders </p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">28,071</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">35,988</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Per common share amount</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">1.98</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">2.54</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Diluted:</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Average common shares outstanding</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,153</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,176</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net effect of dilutive stock options – based on the treasury</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:21.6pt;color:#000000">stock method using average market price</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">56</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">122</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Diluted common shares</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,209</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,298</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net income and net income available to common stockholders </p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">28,071</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">35,988</p> </td></tr> <tr><td style="width:62.14%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Per common share amount</p> </td><td style="width:3.84%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">1.98</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">2.52</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 14084 14192 13203000 18375000 0.94 1.29 14084 14192 40 122 14124 14314 13203000 18375000 0.93 1.28 14153 14176 28071000 35988000 1.98 2.54 14153 14176 56 122 14209 14298 28071000 35988000 1.98 2.52 <p style="font:10pt Times New Roman;margin:0">Options outstanding at June 30, 2020 and 2019, to purchase 653,794 and 309,000 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the three month periods because the exercise prices of such options were greater than the average market prices of the common stock for the three months ended June 30, 2020 and 2019, respectively.  Options outstanding at June 30, 2020 and 2019, to purchase 565,401 and 309,000 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the six month periods because the exercise prices of such options were greater than the average market prices of the common stock for the six months ended June 30, 2020 and 2019, respectively.  </p> 653794 309000 565401 309000 <p style="font:10pt Times New Roman;margin:0">NOTE 5: INVESTMENT SECURITIES</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The amortized cost and fair values of securities classified as available-for-sale were as follows:</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="border-collapse:collapse;width:94.08%"><tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:52.72%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2020</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Gross</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Gross</p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Amortized</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Cost</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Gains</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Losses</p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:52.72%;padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:-2.7pt">AVAILABLE-FOR-SALE SECURITIES:</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.05pt;margin-left:18pt;margin-right:-2.7pt">Agency mortgage-backed securities</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">153,376</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">20,646</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:2.15pt;margin-right:-1.45pt;text-align:right">- </p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">174,022</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.05pt;margin-left:18pt;margin-right:-2.7pt">Agency collateralized mortgage obligations</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">169,607</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">10,226</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:2.15pt;margin-right:-1.45pt;text-align:right">- </p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">179,833</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.05pt;margin-left:18pt;margin-right:-2.7pt">States and political subdivisions</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">69,203</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,002</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:2.15pt;margin-right:-1.45pt;text-align:right">2 </p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">71,203</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.95pt;margin-left:9pt;margin-right:-2.7pt">Small Business Administration securities</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">21,126</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">751</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:2.15pt;margin-right:-1.45pt;text-align:right">- </p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">21,877</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">413,312</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">33,625</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:2.15pt;margin-right:-1.45pt;text-align:right">2 </p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">446,935</p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <table style="border-collapse:collapse;width:95%"><tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">December 31, 2019</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Gross</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Gross</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Amortized</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Cost</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Gains</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Losses</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:-2.7pt">AVAILABLE-FOR-SALE SECURITIES:</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.05pt;margin-left:18pt;margin-right:-2.7pt">Agency mortgage-backed securities</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.25pt;text-align:right">156,591 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">8,716 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">265</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:1.45pt;text-align:right">165,042 </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.05pt;margin-left:18pt;margin-right:-2.7pt">Agency collateralized mortgage obligations</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.25pt;text-align:right">149,980 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,891 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">921</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:1.45pt;text-align:right">151,950 </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.05pt;margin-left:18pt;margin-right:-2.7pt">States and political subdivisions</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.25pt;text-align:right">33,757 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,368 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:1.45pt;text-align:right">35,125 </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.05pt;margin-left:18pt;margin-right:-2.7pt">Small Business Administration securities</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.25pt;text-align:right">22,132 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.3pt;text-align:right">-   </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">74</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:1.45pt;text-align:right">22,058 </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.25pt;text-align:right">362,460 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">12,975 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,260</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:1.45pt;text-align:right">374,175 </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:18pt;margin-right:-2.7pt"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The amortized cost and fair value of available-for-sale securities at June 30, 2020, by contractual maturity, are shown below.  Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="border-collapse:collapse;width:98%"><tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Amortized</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Fair</p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Cost</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Value</p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td colspan="4" style="width:37.36%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">One year or less</p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">After one through five years</p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">After five through ten years</p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">12,572</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">13,172</p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">After ten years</p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">56,631</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">58,031</p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Securities not due on a single maturity date</p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">344,109</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">375,732</p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">413,312</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">446,935</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">There were no securities classified as held to maturity at June 30, 2020 or December 31, 2019.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at June 30, 2020 and December 31, 2019, was approximately $504,000 and $116.2 million, respectively, which is approximately 0.1% and 31.1% of the Company’s available-for-sale investment portfolio, respectively.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Based on an evaluation of available evidence, including recent changes in market interest rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these debt securities are temporary.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The following table shows the Company’s gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at June 30, 2020 and December 31, 2019:</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="16" style="width:66.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2020</p> </td></tr> <tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:20.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Less than 12 Months</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:20.2%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">12 Months or More</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:20.2%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Total</p> </td></tr> <tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td></tr> <tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-13.5pt;margin-left:13.5pt;margin-right:-2.7pt">Description of Securities</p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Losses</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Losses</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Losses</p> </td></tr> <tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td colspan="16" style="width:66.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:6.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:-2.7pt">States and political subdivisions </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right">504</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(2)</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">504</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(2)</p> </td></tr> <tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:-2.7pt"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:6.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right">504</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(2)</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">504</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(2)</p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="16" style="width:65.08%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">December 31, 2019</p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:19.72%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Less than 12 Months</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:19.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">12 Months or More</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:20.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Total</p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.88%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-13.5pt;margin-left:13.5pt;margin-right:-2.7pt;text-align:center">Description of Securities</p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.88%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Losses</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Losses</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Losses</p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="16" style="width:65.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:6.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:6.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:-2.7pt">Agency mortgage-backed securities</p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right">$</p> </td><td style="width:6.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">24,762</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(265)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">24,762</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(265)</p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:-2.7pt">Agency collateralized mortgage obligations</p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right"> </p> </td><td style="width:6.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right">69,372</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(921)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">69,372</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(921)</p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-17.25pt;margin-left:17.25pt;margin-right:-2.7pt">Small Business Administration securities</p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right"> </p> </td><td style="width:6.88%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right">22,058</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(74)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">22,058</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(74)</p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-3.75pt;margin-left:3.75pt;margin-right:-2.7pt"> </p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right"> </p> </td><td style="width:6.88%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right">$</p> </td><td style="width:6.88%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right">91,430</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(995)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">24,762</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(265)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">116,192</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(1,260)</p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Gross gains of $78,000 resulting from sales of available-for-sale securities were realized during the three and six months ended June 30, 2020. No gains or losses from sales of available-for-sale securities were realized during the three months ended June 30, 2019. Gross gains of $226,000 and gross losses of $216,000 resulting from sales of available-for-sale securities were realized during the six months ended June 30, 2019.  Gains and losses on sales of securities are determined on the specific-identification method.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"><b><i>Other-than-temporary Impairment.  </i></b>Upon acquisition of a security, the Company decides whether it is within the scope of the accounting guidance for beneficial interests in securitized financial assets or will be evaluated for impairment under the accounting guidance for investments in debt and equity securities.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The accounting guidance for beneficial interests in securitized financial assets provides incremental impairment guidance for a subset of the debt securities within the scope of the guidance for investments in debt and equity securities.  For securities where the security is a beneficial interest in securitized financial assets, the Company uses the beneficial interests in securitized financial asset impairment model.  For securities where the security is not a beneficial interest in securitized financial assets, the Company uses the debt and equity securities impairment model.  The Company does not currently have securities within the scope of this guidance for beneficial interests in securitized financial assets.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The Company periodically evaluates each investment security in an unrealized loss position to determine whether an other-than-temporary impairment has occurred.  The Company considers the length of time a security has been in an unrealized loss position, the relative amount of the unrealized loss compared to the carrying value of the security, the type of security and other factors.  If certain criteria are met, the Company performs additional review and evaluation using observable market values or various inputs in economic models to determine if an unrealized loss is other-than-temporary.  The Company uses quoted market prices for marketable equity securities and uses broker </p> <p style="font:10pt Times New Roman;margin:0">pricing quotes based on observable inputs for equity investments that are not traded on a stock exchange.  For non-agency collateralized mortgage obligations, to determine if the unrealized loss is other than temporary, the Company projects total estimated defaults of the underlying assets (mortgages) and multiplies that calculated amount by an estimate of realizable value upon sale in the marketplace (severity) in order to determine the projected collateral loss.  The Company also evaluates any current credit enhancement underlying these securities to determine the impact on cash flows.  If the Company determines that a given security position will be subject to a write-down or loss, the Company records the expected credit loss as a charge to earnings.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">During the three and six months ended June 30, 2020, no securities were determined to have impairment that had become other-than-temporary.  </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"><b><i>Credit Losses Recognized on Investments.</i></b><i>  </i>During the three and six months ended June 30, 2020 and 2019, respectively,<i> </i>there were no debt securities that had experienced fair value deterioration due to credit losses, as well as due to other market factors, but are not otherwise other-than-temporarily impaired.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="border-collapse:collapse;width:94.08%"><tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:52.72%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2020</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Gross</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Gross</p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Amortized</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Cost</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Gains</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Losses</p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:52.72%;padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:-2.7pt">AVAILABLE-FOR-SALE SECURITIES:</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.05pt;margin-left:18pt;margin-right:-2.7pt">Agency mortgage-backed securities</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">153,376</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">20,646</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:2.15pt;margin-right:-1.45pt;text-align:right">- </p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">174,022</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.05pt;margin-left:18pt;margin-right:-2.7pt">Agency collateralized mortgage obligations</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">169,607</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">10,226</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:2.15pt;margin-right:-1.45pt;text-align:right">- </p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">179,833</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.05pt;margin-left:18pt;margin-right:-2.7pt">States and political subdivisions</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">69,203</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,002</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:2.15pt;margin-right:-1.45pt;text-align:right">2 </p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">71,203</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.95pt;margin-left:9pt;margin-right:-2.7pt">Small Business Administration securities</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">21,126</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">751</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:2.15pt;margin-right:-1.45pt;text-align:right">- </p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">21,877</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">413,312</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">33,625</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:2.15pt;margin-right:-1.45pt;text-align:right">2 </p> </td><td style="width:1.66%;padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">446,935</p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <table style="border-collapse:collapse;width:95%"><tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">December 31, 2019</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Gross</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Gross</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Amortized</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Cost</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Gains</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Losses</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:-2.7pt">AVAILABLE-FOR-SALE SECURITIES:</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.05pt;margin-left:18pt;margin-right:-2.7pt">Agency mortgage-backed securities</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.25pt;text-align:right">156,591 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">8,716 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">265</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:1.45pt;text-align:right">165,042 </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.05pt;margin-left:18pt;margin-right:-2.7pt">Agency collateralized mortgage obligations</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.25pt;text-align:right">149,980 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,891 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">921</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:1.45pt;text-align:right">151,950 </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.05pt;margin-left:18pt;margin-right:-2.7pt">States and political subdivisions</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.25pt;text-align:right">33,757 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,368 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:1.45pt;text-align:right">35,125 </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.05pt;margin-left:18pt;margin-right:-2.7pt">Small Business Administration securities</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.25pt;text-align:right">22,132 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.3pt;text-align:right">-   </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">74</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:1.45pt;text-align:right">22,058 </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"/><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.25pt;text-align:right">362,460 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">12,975 </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,260</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:1.45pt;text-align:right">374,175 </p> </td></tr> <tr><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:18pt;margin-right:-2.7pt"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 153376000 20646000 0 174022000 169607000 10226000 0 179833000 69203000 2002000 2000 71203000 21126000 751000 0 21877000 413312000 33625000 2000 446935000 156591000 8716000 265000 165042000 149980000 2891000 921000 151950000 33757000 1368000 0 35125000 22132000 0 74000 22058000 362460000 12975000 1260000 374175000 <p style="font:10pt Times New Roman;margin:0"> </p> <table style="border-collapse:collapse;width:98%"><tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Amortized</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Fair</p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Cost</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Value</p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td colspan="4" style="width:37.36%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">One year or less</p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">After one through five years</p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">After five through ten years</p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">12,572</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">13,172</p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">After ten years</p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">56,631</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">58,031</p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Securities not due on a single maturity date</p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">344,109</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">375,732</p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr><td style="width:59.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:15.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">413,312</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:16.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">446,935</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 0 0 0 0 12572000 13172000 56631000 58031000 344109000 375732000 413312000 446935000 <p style="font:10pt Times New Roman;margin:0">There were no securities classified as held to maturity at June 30, 2020 or December 31, 2019.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at June 30, 2020 and December 31, 2019, was approximately $504,000 and $116.2 million, respectively, which is approximately 0.1% and 31.1% of the Company’s available-for-sale investment portfolio, respectively.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Based on an evaluation of available evidence, including recent changes in market interest rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these debt securities are temporary.</p> 0 0 504000 116200000 0.001 0.311 <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="16" style="width:66.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2020</p> </td></tr> <tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:20.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Less than 12 Months</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:20.2%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">12 Months or More</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:20.2%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Total</p> </td></tr> <tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td></tr> <tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-13.5pt;margin-left:13.5pt;margin-right:-2.7pt">Description of Securities</p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Losses</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Losses</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Losses</p> </td></tr> <tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td colspan="16" style="width:66.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:6.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:-2.7pt">States and political subdivisions </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right">504</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(2)</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">504</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(2)</p> </td></tr> <tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:-2.7pt"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:6.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:31.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right">504</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(2)</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">504</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(2)</p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="16" style="width:65.08%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">December 31, 2019</p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:19.72%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Less than 12 Months</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:19.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">12 Months or More</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:20.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Total</p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt;text-align:center"> </p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.88%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unrealized</p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-13.5pt;margin-left:13.5pt;margin-right:-2.7pt;text-align:center">Description of Securities</p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.88%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Losses</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Losses</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Losses</p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="16" style="width:65.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:6.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:6.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:-2.7pt">Agency mortgage-backed securities</p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right">$</p> </td><td style="width:6.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">24,762</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(265)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">24,762</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(265)</p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:-2.7pt">Agency collateralized mortgage obligations</p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right"> </p> </td><td style="width:6.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right">69,372</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(921)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">69,372</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(921)</p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-17.25pt;margin-left:17.25pt;margin-right:-2.7pt">Small Business Administration securities</p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right"> </p> </td><td style="width:6.88%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right">22,058</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(74)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">22,058</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(74)</p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-3.75pt;margin-left:3.75pt;margin-right:-2.7pt"> </p> </td><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right"> </p> </td><td style="width:6.88%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:32.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right">$</p> </td><td style="width:6.88%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.8pt;text-align:right">91,430</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(995)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">24,762</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(265)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">116,192</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(1,260)</p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> 504000 2000 0 0 504000 2000 504000 2000 0 0 504000 2000 0 0 24762000 265000 24762000 265000 69372000 921000 0 0 69372000 921000 22058000 74000 0 0 22058000 74000 91430000 995000 24762000 265000 116192000 1260000 78000 78000 0 0 226000 216000 0 0 0 0 <p style="font:10pt Times New Roman;margin:0">NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Classes of loans at June 30, 2020 and December 31, 2019 were as follows:</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30,</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">December 31,</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.38%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2020</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2019</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="4" style="width:27.84%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands)</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"/><td style="width:0.96%" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.38%" valign="bottom"/><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td valign="bottom"/><td valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">One- to four-family residential construction</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">34,376 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">33,963 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Subdivision construction</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">13,637 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">16,088 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Land development</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">38,646 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">40,431 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Commercial construction</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">1,211,294 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">1,322,861 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Owner occupied one- to four-family residential</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">463,493 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">387,016 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Non-owner occupied one- to four-family residential</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">118,897 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">120,343 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Commercial real estate</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">1,532,274 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">1,494,172 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Other residential</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">1,024,591 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">866,006 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Commercial business</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">441,310 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">313,209 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Industrial revenue bonds</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">14,222 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">13,189 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Consumer auto</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">113,927 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">151,854 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Consumer other</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">42,882 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">46,720 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Home equity lines of credit</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">116,293 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">118,988 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Loans acquired and accounted for under ASC 310-30, net of discounts</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">110,664 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">127,206 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"/><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">5,276,506 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">5,052,046 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Undisbursed portion of loans in process</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">(816,783)</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">(850,666)</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:-4.5pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Allowance for loan losses</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">(49,801)</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">(40,294)</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:-4.5pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Deferred loan fees and gains, net</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:1.45pt;margin-right:-1.45pt;color:#000000;text-align:right"> </p> </td><td style="width:11.38%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:1.45pt;margin-right:1.45pt;color:#000000;text-align:right">(10,277)</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right"> </p> </td><td style="border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">(7,104)</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:-4.5pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"/><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.38%;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">4,399,645 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">4,153,982 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Weighted average interest rate</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">4.34%</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">4.97%</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="border-collapse:collapse;width:100%"><tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="19" style="width:76.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center">June 30, 2020</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.82%;padding-left:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Total Loans</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Total</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">&gt; 90 Days</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">30-59 Days</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">60-89 Days</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">90+ Days</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Total</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:3pt;margin-left:-3pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:3pt;margin-left:-3pt;text-align:center"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3pt;margin-left:-3pt;text-align:center">Loans</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Past Due and</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Past Due</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Past Due</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Past Due</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Past Due</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.82%;padding-left:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Current</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Receivable</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Still Accruing</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="19" style="width:76.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">One- to four-family </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:0.8pt;margin-left:7.6pt">residential construction</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">79</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">$</p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">79</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">34,297</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">34,376</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Subdivision construction</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">13,637</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">13,637</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Land development </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">24</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">24</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">38,622</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">38,646</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Commercial construction</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,211,294</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">1,211,294</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Owner occupied one- to</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:2.9pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:0.8pt;margin-left:7.6pt">four-family residential</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">227</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">175</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">2,109</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">2,511</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">460,982</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">463,493</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Non-owner occupied one- </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:2.9pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:0.8pt;margin-left:7.6pt">to four-family residential</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">224</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">28</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">279</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">531</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">118,366</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">118,897</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Commercial real estate</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">727</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">727</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">1,531,547</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">1,532,274</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Other residential</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">1,024,591</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">1,024,591</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Commercial business</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">1,182</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,182</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">440,128</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">441,310</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Industrial revenue bonds</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">14,222</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">14,222</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Consumer auto</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">305</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">40</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">361</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">706</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">113,221</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">113,927</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Consumer other</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">85</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">114</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">200</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">42,682</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">42,882</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Home equity lines of credit</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">669</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">103</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">517</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,289</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">115,004</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">116,293</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.2pt;margin-left:7.2pt">Loans acquired and </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:2.9pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:1.2pt;margin-left:7.2pt">accounted for under</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:2.9pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:1.2pt;margin-left:7.2pt">ASC 310-30, net of </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:2.9pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:1.2pt;margin-left:7.2pt">discounts</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">267</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">189</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">5,149</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">5,605</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">105,059</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">110,664</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,856</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">560</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">10,438</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">12,854</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">5,263,652</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">5,276,506</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.2pt;margin-left:7.2pt">Less loans acquired and<br/>accounted for under  </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:2.9pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:1.2pt;margin-left:7.2pt">ASC 310-30, net of</p> <p style="font:8pt Times New Roman;margin:0;text-indent:1.2pt;margin-left:7.2pt">discounts</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">267</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">189</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">5,149</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">5,605</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">105,059</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">110,664</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:14.4pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:2.9pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:14.4pt">Total </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,589</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">371</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">$</p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">5,289</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">7,249</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.82%;padding-left:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">5,158,593</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">5,165,842</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Non-accruing loans (excluding FDIC-assisted acquired loans, net of discount) are summarized as follows:</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:99.04%"><tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30,</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:14.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">December 31,</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:14.8%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:43.2pt;margin-right:14.4pt"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:33.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:14.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">One- to four-family residential construction</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">-</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Subdivision construction</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">-</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Land development</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">-</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Commercial construction</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">-</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Owner occupied one- to four-family residential</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">2,109</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">1,198</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-36.65pt;margin-left:58.35pt;margin-right:14.4pt">Non-owner occupied one- to four-family residential</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">279</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">181</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Commercial real estate</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">727</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">632</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Other residential</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">-</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Commercial business</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">1,182</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">1,235</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Industrial revenue bonds</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">-</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Consumer auto</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">361</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">558</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Consumer other</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">114</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">198</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Home equity lines of credit</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">517</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">517</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:6.15pt;margin-left:43.2pt;margin-right:14.4pt"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-3.5pt;margin-left:43.2pt;margin-right:14.4pt">Total </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-4.5pt;text-align:right">5,289</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-4.3pt;text-align:right">4,519</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">The portfolio segments used in the preceding three tables correspond to the loan classes used in all other tables in <i>Note 6</i> as follows:</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;margin-left:36pt"><kbd style="position:absolute;font:10pt Symbol;margin-left:-18pt">·</kbd>The one- to four-family residential and construction segment includes the one- to four-family residential construction, subdivision construction, owner occupied one- to four-family residential and non-owner occupied one- to four-family residential classes </p> <p style="font:10pt Times New Roman;margin:0;margin-left:36pt"><kbd style="position:absolute;font:10pt Symbol;margin-left:-18pt">·</kbd>The other residential segment corresponds to the other residential class </p> <p style="font:10pt Times New Roman;margin:0;margin-left:36pt"><kbd style="position:absolute;font:10pt Symbol;margin-left:-18pt">·</kbd>The commercial real estate segment includes the commercial real estate and industrial revenue bonds classes </p> <p style="font:10pt Times New Roman;margin:0;margin-left:36pt"><kbd style="position:absolute;font:10pt Symbol;margin-left:-18pt">·</kbd>The commercial construction segment includes the land development and commercial construction classes </p> <p style="font:10pt Times New Roman;margin:0;margin-left:36pt"><kbd style="position:absolute;font:10pt Symbol;margin-left:-18pt">·</kbd>The commercial business segment corresponds to the commercial business class </p> <p style="font:10pt Times New Roman;margin:0;margin-left:36pt"><kbd style="position:absolute;font:10pt Symbol;margin-left:-18pt">·</kbd>The consumer segment includes the consumer auto, consumer other and home equity lines of credit classes </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0">A loan is considered impaired, in accordance with the impairment accounting guidance (FASB ASC 310-10-35-16), when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include not only nonperforming loans but also include loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">Impaired loans (excluding FDIC-assisted loans, net of discount), are summarized as follows:</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:88.02%"><tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="7" style="width:198.55pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2020</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:60.1pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:55.6pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unpaid</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:61.55pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:60.1pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recorded</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:55.6pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Principal</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:61.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Specific</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:4pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:60.1pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Balance</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:55.6pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Balance</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:61.55pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Allowance</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="7" style="width:198.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> (In Thousands)</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">One- to four-family residential construction</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Subdivision construction</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">24</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">24</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Land development</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial construction</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Owner occupied one- to four-family residential</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,751</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,034</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">78</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Non-owner occupied one- to four-family residential</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">279</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">471</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial real estate</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,674</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,711</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">486</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Other residential</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial business</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,220</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,726</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Industrial revenue bonds</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer auto</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">753</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">959</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">122</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer other</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">246</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">374</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">12</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Home equity lines of credit</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">527</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">557</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Total </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">9,474</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">10,856</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">711</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:93.98%"><tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:27.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Three Months Ended </p> <p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2020</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:30.42%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Six Months Ended </p> <p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2020</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Average</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Average</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Investment</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Investment</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">in Impaired</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">in Impaired</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Loans</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recognized</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Loans</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recognized</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:59.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">One- to four-family residential construction</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Subdivision construction</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">170</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">209</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Land development</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial construction</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Owner occupied one- to four-family residential</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,882</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">34</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,702</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">80</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Non-owner occupied one- to four-family residential</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">418</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">5</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">425</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">11</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial real estate</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,885</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">37</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,004</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">67</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Other residential</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial business</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,223</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,243</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">25</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Industrial revenue bonds</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer auto</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">868</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">973</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">40</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer other</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">265</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">6</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">276</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">16</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Home equity lines of credit</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  500</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  7</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  538</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  19</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Total </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">10,211</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">113</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">10,370</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">261</p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> <p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="13" style="width:56.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">At or for the Year Ended December 31, 2019</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Average</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unpaid</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Investment</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recorded</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Principal</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Specific</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">in Impaired</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Balance</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Balance</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Allowance</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Loans</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recognized</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="13" style="width:56.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">One- to four-family residential construction</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Subdivision construction</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">251</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">251</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">96</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">277</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Land development</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">328</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">101</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial construction</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Owner occupied one- to four- family residential </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,300</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,423</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">82</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,598</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">131</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-3.05pt">Non-owner occupied one- to four-family residential </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">409</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">574</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">20</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">954</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">43</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-3.05pt">Commercial real estate</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,020</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,049</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">517</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,940</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">264</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Other residential</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial business</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,286</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,771</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">13</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,517</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">81</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Industrial revenue bonds</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer auto</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,117</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,334</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">181</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,128</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">125</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer other</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">356</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">485</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">16</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">383</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">48</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Home equity lines of credit</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">528</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">548</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">362</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">37</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Total </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">10,267</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">11,435</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">929</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">12,487</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">839</p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:88.02%"><tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="7" style="width:198.55pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2019</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:60.1pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:55.6pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unpaid</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:61.55pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:60.1pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recorded</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:55.6pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Principal</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:61.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Specific</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:60.1pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Balance</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:55.6pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Balance</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:61.55pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Allowance</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="7" style="width:198.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> (In Thousands)</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">One- to four-family residential construction</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Subdivision construction</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">261</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">261</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">100</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Land development</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,556</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,588</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial construction</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Owner occupied one- to four-family residential</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,157</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,434</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">114</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Non-owner occupied one- to four-family residential</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">764</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">944</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">22</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial real estate</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">7,809</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">7,834</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">555</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Other residential</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial business</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,451</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,918</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">470</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Industrial revenue bonds</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer auto</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,040</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,230</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">133</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer other</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">417</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">651</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">20</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Home equity lines of credit</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">364</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">380</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Total </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">17,819</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">19,240</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">1,417</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:98.8%"><tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:26.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Three Months Ended </p> <p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2019</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:28.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Six Months Ended </p> <p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2019</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Average</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Average</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Investment</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Investment</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">in Impaired</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">in Impaired</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Loans</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recognized</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Loans</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recognized</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:56.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">One- to four-family residential construction</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Subdivision construction</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">280</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">293</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">5</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Land development</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,189</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">99</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">601</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">99</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial construction</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Owner occupied one- to four-family residential</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,839</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">20</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,097</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">57</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Non-owner occupied one- to four-family residential</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">815</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">6</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,296</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">18</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial real estate</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">6,349</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">86</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">5,612</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">136</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Other residential</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial business</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,626</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">26</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,700</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">58</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Industrial revenue bonds</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer auto</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,088</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">18</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,240</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">43</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer other</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">401</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">11</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">432</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">22</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Home equity lines of credit</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  290</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  10</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  254</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  17</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Total </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">14,877</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">279</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">14,525</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">455</p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0">At June 30, 2020, $4.2 million of impaired loans had specific valuation allowances totaling $711,000.  At December 31, 2019, $5.2 million of impaired loans had specific valuation allowances totaling $929,000.  </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">Included in certain loan categories in the impaired loans are troubled debt restructurings that were classified as impaired. Troubled debt restructurings are loans that are modified by granting concessions to borrowers experiencing financial difficulties.  These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection.  The types of concessions made are factored into the estimation of the allowance for loan losses for troubled debt restructurings primarily using a discounted cash flow or collateral adequacy approach.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0">The following tables present newly restructured loans, which were considered troubled debt restructurings, during the three and six months ended June 30, 2020 and, respectively, by type of modification:</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.35pt"><td style="width:33.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:64.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Three Months Ended June 30, 2020</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Total</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest Only</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">      Term      </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Combination</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Modification</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:64.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:33.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.5pt;margin-left:3pt;margin-right:-3.6pt">Consumer</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">16</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">28</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">44</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">16</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">28</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">44</p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:64.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Three Months Ended June 30, 2019</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Total</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest Only</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.58%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">      Term      </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Combination</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Modification</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:64.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.5pt;margin-left:3pt;margin-right:-3.6pt">Consumer                                 </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.58%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">52</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">52</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.35pt"><td style="width:33.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:64.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Six Months Ended June 30, 2020</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Total</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest Only</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">      Term      </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Combination</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Modification</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:64.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:33.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.5pt;margin-left:3pt;margin-right:-3.6pt">One- to four-family residential </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">130</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">130</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.5pt;margin-left:3pt;margin-right:-3.6pt">Consumer</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">16</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">76</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">92</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">16</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">206</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">222</p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:64.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Six Months Ended June 30, 2019</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Total</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest Only</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.58%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">      Term      </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Combination</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Modification</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:64.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.5pt;margin-left:3pt;margin-right:-3.6pt">Consumer                                 </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.58%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">79</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">79</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">At June 30, 2020, the Company had $861,000 of loans that were modified in troubled debt restructurings and impaired, as follows:  $24,000 of construction and land development loans, $404,000 of one- to four-family residential mortgage loans, $97,000 of commercial real estate loans, $128,000 of commercial business loans and $208,000 of consumer loans.  Of the total troubled debt restructurings at June 30, 2020, $216,000 were accruing interest and $645,000 were non-accrual assets.  Of the $861,000 in troubled debt restructurings, $670,000 were classified as substandard using the Company’s internal grading system, which is described below.  The Company had no troubled debt restructurings which were modified in the previous 12 months and subsequently defaulted during the six months ended June 30, 2020.  When loans modified as troubled debt restructurings have subsequent payment defaults, the defaults are factored into the determination of the allowance for loan losses to ensure specific valuation allowances reflect amounts considered uncollectible.  At December 31, 2019, the Company had $1.9 million of loans that were modified in troubled debt restructurings and impaired, as follows:  $251,000 of construction and land development loans, $768,000 of single family residential mortgage loans, $412,000 of commercial real estate loans, $156,000 of commercial business loans and $343,000 of consumer loans.  Of the total troubled debt restructurings at December 31, 2019, $1.4 million were accruing interest and $562,000 were non-accrual assets and classified as substandard using the Company’s internal grading system.  The Company had no troubled debt restructurings which were modified in the previous 12 months and subsequently defaulted during the year ended December 31, 2019.  </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0">During the three and six months ended June 30, 2020, there were no loans designated as troubled debt restructurings that met the criteria for placement back on accrual status.  The criteria are generally a minimum of six months of consistent and timely payment performance under original or modified terms.  During the three and six months ended June 30, 2019, $14,000 and $63,000 of loans, respectively, all of which consisted of consumer loans, designated as troubled debt restructurings met the criteria for placement back on accrual status.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">As of June 30, 2020, we had modified 2,133 loans with a total principal balance outstanding of $1.0 billion, in response to the COVID-19 pandemic. These loan modifications were made as provided for under Section 4013 of the CARES Act and within the guidance provided by the federal banking regulatory agencies, the SEC and the FASB; therefore, they are not considered troubled debt restructurings.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” “Special Mention,” “Substandard” and “Doubtful.”  Loans classified as watch are being monitored because of indications of potential weaknesses or deficiencies that may require future classification as special mention or substandard.  Special mention loans possess potential weaknesses that deserve management’s close attention but do not expose the Bank to a degree of risk that warrants substandard classification.  Substandard loans are characterized by the distinct possibility that the Bank will sustain some loss if certain deficiencies are not corrected.  Doubtful loans are those having all the weaknesses inherent to those classified Substandard with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="16" style="width:71.02%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2020</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.54%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.76%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.84%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Special</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.88%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.54%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Satisfactory</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.76%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Watch</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.84%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Mention</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.88%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Substandard</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Doubtful</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Total</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:26.4pt;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="16" style="width:71.02%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"/><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.45pt;margin-left:14.65pt">One- to four-family residential</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.15pt;margin-left:14.65pt">construction</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">33,400</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">976</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">34,376</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.45pt;margin-left:14.65pt">Subdivision construction</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">13,613</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">24</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">13,637</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.45pt;margin-left:14.65pt">Land development</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">38,646</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">38,646</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.65pt;margin-left:14.65pt">Commercial construction</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">1,211,294</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">1,211,294</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.65pt;margin-left:14.65pt">Owner occupied one- to four-</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.15pt;margin-left:14.65pt">family residential</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">460,804</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">2,689</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">463,493</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-6.75pt;margin-left:15.15pt">Non-owner occupied one- to </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.65pt;margin-left:15.15pt">four-family residential</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">118,074</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">545</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">278</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">118,897</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Commercial real estate</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">1,467,520</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">61,080</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">3,674</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">1,532,274</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Other residential</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">1,024,591</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">1,024,591</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Commercial business</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">429,065</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">11,063</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">1,182</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">441,310</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Industrial revenue bonds</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">14,222</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">14,222</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Consumer auto</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">113,229</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">25</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">673</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">113,927</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Consumer other</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">42,548</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">88</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">246</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">42,882</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Home equity lines of credit</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">115,735</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">41</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">517</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">116,293</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.2pt;margin-left:14.4pt">Loans acquired and accounted </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.9pt;margin-left:14.4pt">for under ASC 310-30,  </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.1pt;margin-left:14.4pt">net of discounts</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">110,652</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">12</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">110,664</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:26.4pt"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:26.4pt">Total </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-0.7pt;text-align:right">5,193,393</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-1.45pt;text-align:right">73,818</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-1.45pt;text-align:right">9,295</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-1.45pt;text-align:right">5,276,506</p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <table style="border-collapse:collapse;width:100%"><tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="16" style="width:71.02%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">December 31, 2019</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.54%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.76%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.84%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Special</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.88%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.54%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Satisfactory</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.76%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Watch</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.84%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Mention</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.88%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Substandard</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Doubtful</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Total</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:26.4pt;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="16" style="width:71.02%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"/><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.45pt;margin-left:14.65pt">One- to four-family residential</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.15pt;margin-left:14.65pt">construction</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">33,963</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">33,963</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.45pt;margin-left:14.65pt">Subdivision construction</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">16,061</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">27</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">16,088</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.45pt;margin-left:14.65pt">Land development</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">40,431</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">40,431</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.65pt;margin-left:14.65pt">Commercial construction</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">1,322,861</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">1,322,861</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.65pt;margin-left:14.65pt">Owner occupied one- to-four-</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.15pt;margin-left:14.65pt">family residential</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">385,001</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">26</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">1,989</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">387,016</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-6.75pt;margin-left:15.15pt">Non-owner occupied one- to-</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.65pt;margin-left:15.15pt">four-family residential</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">119,743</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">419</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">181</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">120,343</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Commercial real estate</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">1,458,400</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">32,063</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">3,709</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">1,494,172</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Other residential</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">866,006</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">866,006</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Commercial business</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">307,322</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">4,651</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">1,236</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">313,209</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Industrial revenue bonds</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">13,189</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">13,189</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Consumer auto</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">150,874</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">47</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">933</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">151,854</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Consumer other</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">46,294</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">92</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">334</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">46,720</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Home equity lines of credit</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">118,428</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">43</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">517</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">118,988</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.2pt;margin-left:14.4pt">Loans acquired and accounted </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.9pt;margin-left:14.4pt">for under ASC 310-30,  </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.1pt;margin-left:14.4pt">net of discounts</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">127,192</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">14</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">127,206</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.1pt;margin-left:14.4pt"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-indent:26.4pt">Total </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-2.15pt;text-align:right">5,005,765</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-2.15pt;text-align:right">37,368</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-2.15pt;text-align:right">8,913</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-2.15pt;text-align:right">5,052,046</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30,</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">December 31,</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.38%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2020</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2019</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="4" style="width:27.84%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands)</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"/><td style="width:0.96%" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.38%" valign="bottom"/><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td valign="bottom"/><td valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">One- to four-family residential construction</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">34,376 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">33,963 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Subdivision construction</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">13,637 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">16,088 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Land development</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">38,646 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">40,431 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Commercial construction</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">1,211,294 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">1,322,861 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Owner occupied one- to four-family residential</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">463,493 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">387,016 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Non-owner occupied one- to four-family residential</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">118,897 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">120,343 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Commercial real estate</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">1,532,274 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">1,494,172 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Other residential</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">1,024,591 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">866,006 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Commercial business</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">441,310 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">313,209 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Industrial revenue bonds</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">14,222 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">13,189 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Consumer auto</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">113,927 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">151,854 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Consumer other</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">42,882 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">46,720 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Home equity lines of credit</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">116,293 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">118,988 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Loans acquired and accounted for under ASC 310-30, net of discounts</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">110,664 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">127,206 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"/><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">5,276,506 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">5,052,046 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Undisbursed portion of loans in process</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">(816,783)</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">(850,666)</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:-4.5pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Allowance for loan losses</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">(49,801)</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">(40,294)</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:-4.5pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:18pt;margin-right:14.4pt">Deferred loan fees and gains, net</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:1.45pt;margin-right:-1.45pt;color:#000000;text-align:right"> </p> </td><td style="width:11.38%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:1.45pt;margin-right:1.45pt;color:#000000;text-align:right">(10,277)</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right"> </p> </td><td style="border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">(7,104)</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:-4.5pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"/><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.38%;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">4,399,645 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">4,153,982 </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td></tr> <tr><td style="width:69.24%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Weighted average interest rate</p> </td><td style="width:0.96%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.38%;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">4.34%</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.45pt;color:#000000;text-align:right">4.97%</p> </td><td valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.7pt;color:#000000"> </p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> 34376000 33963000 13637000 16088000 38646000 40431000 1211294000 1322861000 463493000 387016000 118897000 120343000 1532274000 1494172000 1024591000 866006000 441310000 313209000 14222000 13189000 113927000 151854000 42882000 46720000 116293000 118988000 110664000 127206000 5276506000 5052046000 -816783000 -850666000 -49801000 -40294000 -10277000 -7104000 4399645000 4153982000 0.0434 0.0497 <p style="font:10pt Times New Roman;margin:0"> </p> <table style="border-collapse:collapse;width:100%"><tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="19" style="width:76.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center">June 30, 2020</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.82%;padding-left:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Total Loans</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Total</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">&gt; 90 Days</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">30-59 Days</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">60-89 Days</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">90+ Days</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Total</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:3pt;margin-left:-3pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:3pt;margin-left:-3pt;text-align:center"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3pt;margin-left:-3pt;text-align:center">Loans</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Past Due and</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Past Due</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Past Due</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Past Due</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Past Due</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.82%;padding-left:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Current</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Receivable</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Still Accruing</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="19" style="width:76.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">One- to four-family </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:0.8pt;margin-left:7.6pt">residential construction</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">79</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">$</p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">79</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">34,297</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">34,376</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Subdivision construction</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">13,637</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">13,637</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Land development </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">24</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">24</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">38,622</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">38,646</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Commercial construction</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,211,294</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">1,211,294</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Owner occupied one- to</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:2.9pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:0.8pt;margin-left:7.6pt">four-family residential</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">227</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">175</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">2,109</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">2,511</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">460,982</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">463,493</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Non-owner occupied one- </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:2.9pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:0.8pt;margin-left:7.6pt">to four-family residential</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">224</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">28</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">279</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">531</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">118,366</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">118,897</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Commercial real estate</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">727</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">727</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">1,531,547</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">1,532,274</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Other residential</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">1,024,591</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">1,024,591</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Commercial business</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">1,182</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,182</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">440,128</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">441,310</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Industrial revenue bonds</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">14,222</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">14,222</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Consumer auto</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">305</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">40</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">361</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">706</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">113,221</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">113,927</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Consumer other</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">85</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">114</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">200</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">42,682</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">42,882</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Home equity lines of credit</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">669</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">103</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">517</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,289</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">115,004</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">116,293</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.2pt;margin-left:7.2pt">Loans acquired and </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:2.9pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:1.2pt;margin-left:7.2pt">accounted for under</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:2.9pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:1.2pt;margin-left:7.2pt">ASC 310-30, net of </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:2.9pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:1.2pt;margin-left:7.2pt">discounts</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">267</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">189</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">5,149</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">5,605</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">105,059</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">110,664</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,856</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">560</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">10,438</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">12,854</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">5,263,652</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">5,276,506</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.2pt;margin-left:7.2pt">Less loans acquired and<br/>accounted for under  </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:2.9pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:1.2pt;margin-left:7.2pt">ASC 310-30, net of</p> <p style="font:8pt Times New Roman;margin:0;text-indent:1.2pt;margin-left:7.2pt">discounts</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">267</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">189</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">5,149</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">5,605</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">105,059</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">110,664</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:14.4pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.82%;padding-left:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-left:-0.7pt;margin-right:2.9pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:21.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:8pt Times New Roman;margin:0;text-indent:14.4pt">Total </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,589</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">371</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">$</p> </td><td style="width:7.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:3.15pt;text-align:right">5,289</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">7,249</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.82%;padding-left:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">5,158,593</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">5,165,842</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <table style="border-collapse:collapse;width:100%"><tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="19" style="width:76.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">December 31, 2019</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.88%;padding-left:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Total Loans</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Total</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">&gt; 90 Days</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">30-59 Days</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">60-89 Days</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">90+ Days</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Total</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-1.65pt;margin-left:1.65pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-1.65pt;margin-left:1.65pt;text-align:center"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-1.65pt;margin-left:1.65pt;text-align:center">Loans</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Past Due and</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Past Due</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Past Due</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Past Due</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Past Due</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.88%;padding-left:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Current</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Receivable</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">Still Accruing</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="19" style="width:76.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"/><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">One- to four-family </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0"> </p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:0.8pt;margin-left:7.6pt">residential construction</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">33,963</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">33,963</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Subdivision construction</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">16,088</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">16,088</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Land development </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">27</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">27</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">40,404</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">40,431</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Commercial construction</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">15,085</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">15,085</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,307,776</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">1,322,861</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Owner occupied one- to</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right"> </p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:0.8pt;margin-left:7.6pt">four-family residential</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,453</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,631</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,198</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">4,282</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">382,734</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">387,016</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Non-owner occupied one- </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right"> </p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:0.8pt;margin-left:7.6pt">to four-family residential</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">152</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">181</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">333</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">120,010</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">120,343</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Commercial real estate</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">549</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">119</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">632</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,300</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">1,492,872</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">1,494,172</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Other residential</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">376</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">376</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">865,630</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">866,006</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Commercial business</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">60</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,235</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,295</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">311,914</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">313,209</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Industrial revenue bonds</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">13,189</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">13,189</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Consumer auto</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,101</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">259</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">558</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">1,918</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">149,936</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">151,854</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Consumer other</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">278</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">233</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">198</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">709</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">46,011</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">46,720</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.6pt;margin-left:7.6pt">Home equity lines of credit</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">296</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">517</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">813</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;color:#000000;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">118,175</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">118,988</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.2pt;margin-left:7.2pt">Loans acquired and </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right"> </p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:1.2pt;margin-left:7.2pt">accounted for under</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right"> </p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:1.2pt;margin-left:7.2pt">ASC 310-30, net of </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right"> </p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:1.2pt;margin-left:7.2pt">discounts</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">2,177</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">709</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">6,191</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">9,077</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">118,129</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">127,206</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">21,527</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">2,978</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">10,710</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">35,215</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">5,016,831</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">5,052,046</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.2pt;margin-left:7.2pt">Less loans acquired and </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right"> </p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-7.2pt;margin-left:7.2pt">  accounted for under  </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right"> </p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:1.2pt;margin-left:1.5pt">  ASC 310-30, net of</p> <p style="font:8pt Times New Roman;margin:0;text-indent:1.2pt;margin-left:1.5pt">  discounts</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">2,177</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">709</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">6,191</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">9,077</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">118,129</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;color:#000000;text-align:right">127,206</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:14.4pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:7.88%;padding-left:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right"> </p> </td></tr> <tr><td style="width:21.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:14.4pt">Total </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">19,350</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">2,269</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-2.25pt;margin-left:2.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-2.25pt;margin-left:2.25pt;text-align:right">$</p> </td><td style="width:7.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-indent:-2.25pt;margin-left:2.25pt;text-align:right">4,519</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.44%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">26,138</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:4.65pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.88%;padding-left:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">4,898,702</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">4,924,840</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:6.25pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:8pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:8pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right">-</p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> 79000 0 0 79000 34297000 34376000 0 0 0 0 0 13637000 13637000 0 0 24000 0 24000 38622000 38646000 0 0 0 0 0 1211294000 1211294000 0 227000 175000 2109000 2511000 460982000 463493000 0 224000 28000 279000 531000 118366000 118897000 0 0 0 727000 727000 1531547000 1532274000 0 0 0 0 0 1024591000 1024591000 0 0 0 1182000 1182000 440128000 441310000 0 0 0 0 0 14222000 14222000 0 305000 40000 361000 706000 113221000 113927000 0 85000 1000 114000 200000 42682000 42882000 0 669000 103000 517000 1289000 115004000 116293000 0 267000 189000 5149000 5605000 105059000 110664000 0 1856000 560000 10438000 12854000 5263652000 5276506000 0 267000 189000 5149000 5605000 105059000 110664000 0 1589000 371000 5289000 7249000 5158593000 5165842000 0 0 0 0 0 33963000 33963000 0 0 0 0 0 16088000 16088000 0 0 27000 0 27000 40404000 40431000 0 15085000 0 0 15085000 1307776000 1322861000 0 1453000 1631000 1198000 4282000 382734000 387016000 0 152000 0 181000 333000 120010000 120343000 0 549000 119000 632000 1300000 1492872000 1494172000 0 376000 0 0 376000 865630000 866006000 0 60000 0 1235000 1295000 311914000 313209000 0 0 0 0 0 13189000 13189000 0 1101000 259000 558000 1918000 149936000 151854000 0 278000 233000 198000 709000 46011000 46720000 0 296000 0 517000 813000 118175000 118988000 0 2177000 709000 6191000 9077000 118129000 127206000 0 21527000 2978000 10710000 35215000 5016831000 5052046000 0 2177000 709000 6191000 9077000 118129000 127206000 0 19350000 2269000 4519000 26138000 4898702000 4924840000 0 <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:99.04%"><tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30,</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:14.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">December 31,</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:14.8%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:43.2pt;margin-right:14.4pt"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:33.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:14.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">One- to four-family residential construction</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">-</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Subdivision construction</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">-</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Land development</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">-</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Commercial construction</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">-</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Owner occupied one- to four-family residential</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">2,109</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">1,198</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-36.65pt;margin-left:58.35pt;margin-right:14.4pt">Non-owner occupied one- to four-family residential</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">279</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">181</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Commercial real estate</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">727</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">632</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Other residential</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">-</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Commercial business</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">1,182</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">1,235</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Industrial revenue bonds</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">-</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Consumer auto</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">361</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">558</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Consumer other</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">114</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">198</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-21.5pt;margin-left:43.2pt;margin-right:14.4pt">Home equity lines of credit</p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right">517</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">517</p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:6.15pt;margin-left:43.2pt;margin-right:14.4pt"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.5pt;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:64.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-3.5pt;margin-left:43.2pt;margin-right:14.4pt">Total </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:12%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-4.5pt;text-align:right">5,289</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:14.8%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-4.3pt;text-align:right">4,519</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 0 0 0 0 0 0 0 0 2109000 1198000 279000 181000 727000 632000 0 0 1182000 1235000 0 0 361000 558000 114000 198000 517000 517000 5289000 4519000 4739000 6146000 25923000 2221000 1579000 3320000 43928000 -250000 2866000 2982000 563000 200000 -361000 6000000 11000 0 0 0 0 746000 757000 14000 52000 0 9000 38000 517000 630000 4492000 9064000 28905000 2793000 1817000 2730000 49801000 4339000 5153000 24334000 3076000 1355000 2037000 40294000 144000 3738000 4538000 -304000 369000 1386000 9871000 40000 0 0 1000 9000 1852000 1902000 49000 173000 33000 22000 102000 1159000 1538000 4492000 9064000 28905000 2793000 1817000 2730000 49801000 78000 0 486000 0 9000 138000 711000 4342000 8972000 28091000 2669000 1767000 2577000 48418000 72000 92000 328000 124000 41000 15000 672000 3054000 0 3674000 0 1220000 1526000 9474000 627349000 1024591000 1528600000 1249940000 454312000 271576000 5156368000 63801000 6156000 26474000 3176000 2522000 8535000 110664000 3036000 5436000 20981000 2515000 1484000 5199000 38651000 805000 -1683000 1382000 1145000 62000 -111000 1600000 62000 0 7000 189000 25000 1699000 1982000 24000 0 11000 8000 157000 785000 985000 3803000 3753000 22367000 3479000 1678000 4174000 39254000 3122000 4713000 19803000 3105000 1568000 6098000 38409000 1163000 -960000 2545000 574000 -90000 318000 3550000 517000 0 7000 220000 99000 3905000 4748000 35000 0 26000 20000 299000 1663000 2043000 3803000 3753000 22367000 3479000 1678000 4174000 39254000 <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> 198000 0 517000 0 13000 201000 929000 3973000 5101000 23570000 2940000 1306000 1814000 38704000 168000 52000 247000 136000 36000 22000 661000 2960000 0 4020000 0 1286000 2001000 10267000 554450000 866006000 1490152000 1363292000 325112000 315561000 4914573000 74562000 5334000 29158000 3606000 3356000 11190000 127206000 <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:88.02%"><tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="7" style="width:198.55pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2020</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:60.1pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:55.6pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unpaid</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:61.55pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:60.1pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recorded</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:55.6pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Principal</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:61.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Specific</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:4pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:60.1pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Balance</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:55.6pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Balance</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:61.55pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Allowance</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="7" style="width:198.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> (In Thousands)</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">One- to four-family residential construction</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Subdivision construction</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">24</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">24</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Land development</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial construction</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Owner occupied one- to four-family residential</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,751</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,034</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">78</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Non-owner occupied one- to four-family residential</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">279</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">471</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial real estate</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,674</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,711</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">486</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Other residential</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial business</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,220</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,726</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Industrial revenue bonds</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer auto</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">753</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">959</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">122</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer other</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">246</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">374</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">12</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Home equity lines of credit</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">527</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">557</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Total </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">9,474</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">10,856</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">711</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:93.98%"><tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:27.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Three Months Ended </p> <p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2020</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:30.42%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Six Months Ended </p> <p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2020</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Average</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Average</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Investment</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Investment</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">in Impaired</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">in Impaired</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Loans</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recognized</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Loans</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recognized</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:59.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">One- to four-family residential construction</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Subdivision construction</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">170</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">209</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Land development</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial construction</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Owner occupied one- to four-family residential</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,882</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">34</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,702</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">80</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Non-owner occupied one- to four-family residential</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">418</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">5</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">425</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">11</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial real estate</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,885</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">37</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,004</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">67</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Other residential</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial business</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,223</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,243</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">25</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Industrial revenue bonds</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer auto</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">868</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">973</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">40</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer other</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">265</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">6</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">276</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">16</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Home equity lines of credit</p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  500</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  7</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  538</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  19</p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:40.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Total </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:13.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">10,211</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:10.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">113</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:13%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">10,370</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">261</p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> <p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="13" style="width:56.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">At or for the Year Ended December 31, 2019</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Average</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unpaid</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Investment</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recorded</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Principal</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Specific</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">in Impaired</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Balance</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Balance</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Allowance</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Loans</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recognized</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="13" style="width:56.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">One- to four-family residential construction</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Subdivision construction</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">251</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">251</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">96</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">277</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Land development</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">328</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">101</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial construction</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Owner occupied one- to four- family residential </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,300</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,423</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">82</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,598</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">131</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-3.05pt">Non-owner occupied one- to four-family residential </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">409</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">574</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">20</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">954</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">43</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-3.05pt">Commercial real estate</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,020</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,049</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">517</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,940</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">264</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Other residential</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial business</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,286</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,771</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">13</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,517</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">81</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Industrial revenue bonds</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer auto</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,117</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,334</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">181</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,128</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">125</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer other</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">356</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">485</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">16</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">383</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">48</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Home equity lines of credit</p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">528</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">548</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">362</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">37</p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.4pt"><td style="width:41.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Total </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.66%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">10,267</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.26%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">11,435</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.68%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">929</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.28%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">12,487</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">839</p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:88.02%"><tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="7" style="width:198.55pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2019</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:60.1pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:55.6pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Unpaid</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:61.55pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:60.1pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recorded</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:55.6pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Principal</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:61.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Specific</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:60.1pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Balance</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:55.6pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Balance</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:61.55pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Allowance</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="7" style="width:198.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> (In Thousands)</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"/><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">One- to four-family residential construction</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Subdivision construction</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">261</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">261</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">100</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Land development</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,556</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,588</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial construction</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Owner occupied one- to four-family residential</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,157</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,434</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">114</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Non-owner occupied one- to four-family residential</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">764</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">944</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">22</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial real estate</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">7,809</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">7,834</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">555</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Other residential</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial business</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,451</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,918</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">470</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Industrial revenue bonds</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer auto</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,040</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,230</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">133</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer other</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">417</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">651</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">20</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Home equity lines of credit</p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">364</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">380</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:202.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Total </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:60.1pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">17,819</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:55.6pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">19,240</p> </td><td style="width:3.25pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:7.4pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:61.55pt;padding-left:3.6pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">1,417</p> </td><td style="width:3.5pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:98.8%"><tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:26.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Three Months Ended </p> <p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2019</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:28.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Six Months Ended </p> <p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2019</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Average</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Average</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Investment</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Investment</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">in Impaired</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">in Impaired</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Loans</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recognized</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Loans</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recognized</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:56.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">One- to four-family residential construction</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Subdivision construction</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">280</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">293</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">5</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Land development</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,189</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">99</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">601</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">99</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial construction</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Owner occupied one- to four-family residential</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,839</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">20</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,097</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">57</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Non-owner occupied one- to four-family residential</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">815</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">6</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,296</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">18</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial real estate</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">6,349</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">86</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">5,612</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">136</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Other residential</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Commercial business</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,626</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">26</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,700</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">58</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Industrial revenue bonds</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer auto</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,088</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">18</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,240</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">43</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Consumer other</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">401</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">11</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">432</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">22</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Home equity lines of credit</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  290</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  10</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  254</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  17</p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:43.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Total </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">14,877</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">279</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:12.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">14,525</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:12.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">455</p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> 0 0 0 24000 24000 0 0 0 0 0 0 0 2751000 3034000 78000 279000 471000 0 3674000 3711000 486000 0 0 0 1220000 1726000 9000 0 0 0 753000 959000 122000 246000 374000 12000 527000 557000 4000 9474000 10856000 711000 0 0 0 0 170000 1000 209000 3000 0 0 0 0 0 0 0 0 2882000 34000 2702000 80000 418000 5000 425000 11000 3885000 37000 4004000 67000 0 0 0 0 1223000 9000 1243000 25000 0 0 0 0 868000 14000 973000 40000 265000 6000 276000 16000 500000 7000 538000 19000 10211000 113000 10370000 261000 0 0 0 0 0 251000 251000 96000 277000 9000 0 0 0 328000 101000 0 0 0 0 0 2300000 2423000 82000 2598000 131000 409000 574000 20000 954000 43000 4020000 4049000 517000 4940000 264000 0 0 0 0 0 1286000 1771000 13000 1517000 81000 0 0 0 0 0 1117000 1334000 181000 1128000 125000 356000 485000 16000 383000 48000 528000 548000 4000 362000 37000 10267000 11435000 929000 12487000 839000 0 0 0 261000 261000 100000 3556000 3588000 0 0 0 0 2157000 2434000 114000 764000 944000 22000 7809000 7834000 555000 0 0 0 1451000 1918000 470000 0 0 0 1040000 1230000 133000 417000 651000 20000 364000 380000 3000 17819000 19240000 1417000 0 0 0 0 280000 3000 293000 5000 1189000 99000 601000 99000 0 0 0 0 2839000 20000 3097000 57000 815000 6000 1296000 18000 6349000 86000 5612000 136000 0 0 0 0 1626000 26000 1700000 58000 0 0 0 0 1088000 18000 1240000 43000 401000 11000 432000 22000 290000 10000 254000 17000 14877000 279000 14525000 455000 4200000 711000 5200000 929000 <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.35pt"><td style="width:33.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:64.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Three Months Ended June 30, 2020</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Total</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest Only</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">      Term      </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Combination</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Modification</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:64.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:33.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.5pt;margin-left:3pt;margin-right:-3.6pt">Consumer</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">16</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">28</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">44</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">16</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">28</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">44</p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:64.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Three Months Ended June 30, 2019</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Total</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest Only</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.58%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">      Term      </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Combination</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Modification</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:64.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.5pt;margin-left:3pt;margin-right:-3.6pt">Consumer                                 </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.58%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">52</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">52</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.35pt"><td style="width:33.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:64.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Six Months Ended June 30, 2020</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Total</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest Only</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">      Term      </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Combination</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Modification</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:64.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:33.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.5pt;margin-left:3pt;margin-right:-3.6pt">One- to four-family residential </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">130</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">130</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.5pt;margin-left:3pt;margin-right:-3.6pt">Consumer</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">16</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">76</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">92</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.94%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">16</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">206</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">222</p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:64.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Six Months Ended June 30, 2019</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Total</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest Only</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.58%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">      Term      </p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Combination</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Modification</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:64.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:33.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.5pt;margin-left:3pt;margin-right:-3.6pt">Consumer                                 </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.58%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">79</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">79</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 0 16000 28000 44000 0 16000 28000 44000 0 52000 0 52000 0 0 130000 130000 0 16000 76000 92000 0 16000 206000 222000 0 79000 0 79000 861000 24000 404000 97000 128000 208000 216000 645000 670000 0 1900000 251000 768000 412000 156000 343000 1400000 562000 0 0 14000 63000 2133 1000000000.0 <p style="font:10pt Times New Roman;margin:0;color:#000000">The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” “Special Mention,” “Substandard” and “Doubtful.”  Loans classified as watch are being monitored because of indications of potential weaknesses or deficiencies that may require future classification as special mention or substandard.  Special mention loans possess potential weaknesses that deserve management’s close attention but do not expose the Bank to a degree of risk that warrants substandard classification.  Substandard loans are characterized by the distinct possibility that the Bank will sustain some loss if certain deficiencies are not corrected.  Doubtful loans are those having all the weaknesses inherent to those classified Substandard with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><span style="font-size:10pt">facts, conditions and values, highly questionable and improbable.  Loans not meeting any of the criteria previously described are considered satisfactory.  The FDIC-assisted acquired loans are evaluated using this internal grading system. These loans are accounted for in pools.  Minimal adverse classification in these acquired loan pools was identified as of June 30, 2020 and December 31, 2019, respectively.  See <i>Note 7</i> for further discussion of the acquired loan pools and the termination of the loss sharing agreements.</span></p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">The Company evaluates the loan risk internal grading system definitions and allowance for loan loss methodology on an ongoing basis.  The general component of the allowance for loan losses is affected by several factors, including, but not limited to, average historical losses, average life of the loans, current composition of the loan portfolio, current and expected economic conditions, collateral values and internal risk ratings.  Management considers all these factors in determining the adequacy of the Company’s allowance for loan losses.  In early 2018, we expanded our loan risk rating system to allow for further segregation of satisfactory credits.  No significant changes were made to the allowance for loan loss methodology during the year ended December 31, 2019 or the six months ended June 30, 2020.  However, the deterioration of economic conditions that occurred in the six months ended June 30, 2020 and was expected to continue thereafter was a significant factor in the determination of the allowance for loan losses.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="16" style="width:71.02%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2020</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.54%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.76%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.84%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Special</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.88%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.54%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Satisfactory</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.76%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Watch</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.84%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Mention</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.88%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Substandard</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Doubtful</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Total</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:26.4pt;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="16" style="width:71.02%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"/><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.45pt;margin-left:14.65pt">One- to four-family residential</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.15pt;margin-left:14.65pt">construction</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">33,400</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">976</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">34,376</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.45pt;margin-left:14.65pt">Subdivision construction</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">13,613</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">24</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">13,637</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.45pt;margin-left:14.65pt">Land development</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">38,646</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">38,646</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.65pt;margin-left:14.65pt">Commercial construction</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">1,211,294</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">1,211,294</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.65pt;margin-left:14.65pt">Owner occupied one- to four-</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.15pt;margin-left:14.65pt">family residential</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">460,804</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">2,689</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">463,493</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-6.75pt;margin-left:15.15pt">Non-owner occupied one- to </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.65pt;margin-left:15.15pt">four-family residential</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">118,074</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">545</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">278</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">118,897</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Commercial real estate</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">1,467,520</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">61,080</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">3,674</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">1,532,274</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Other residential</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">1,024,591</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">1,024,591</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Commercial business</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">429,065</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">11,063</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">1,182</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">441,310</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Industrial revenue bonds</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">14,222</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">14,222</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Consumer auto</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">113,229</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">25</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">673</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">113,927</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Consumer other</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">42,548</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">88</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">246</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">42,882</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Home equity lines of credit</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">115,735</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">41</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">517</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">116,293</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.2pt;margin-left:14.4pt">Loans acquired and accounted </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.9pt;margin-left:14.4pt">for under ASC 310-30,  </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.1pt;margin-left:14.4pt">net of discounts</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">110,652</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">12</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">110,664</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:26.4pt"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:26.4pt">Total </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-0.7pt;text-align:right">5,193,393</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-1.45pt;text-align:right">73,818</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-1.45pt;text-align:right">9,295</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-1.45pt;text-align:right">5,276,506</p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:11pt Times New Roman;margin:0;color:#000000"> </p> <table style="border-collapse:collapse;width:100%"><tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="16" style="width:71.02%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">December 31, 2019</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.54%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.76%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.84%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Special</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.88%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.2%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.54%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Satisfactory</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.76%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Watch</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.84%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Mention</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.88%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Substandard</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Doubtful</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.2%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Total</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:26.4pt;text-align:center"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="16" style="width:71.02%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"/><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"/><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"/></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.45pt;margin-left:14.65pt">One- to four-family residential</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.15pt;margin-left:14.65pt">construction</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">33,963</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">33,963</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.45pt;margin-left:14.65pt">Subdivision construction</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">16,061</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">27</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">16,088</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.45pt;margin-left:14.65pt">Land development</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">40,431</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">40,431</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.65pt;margin-left:14.65pt">Commercial construction</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">1,322,861</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">1,322,861</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.65pt;margin-left:14.65pt">Owner occupied one- to-four-</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.15pt;margin-left:14.65pt">family residential</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">385,001</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">26</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">1,989</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">387,016</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-6.75pt;margin-left:15.15pt">Non-owner occupied one- to-</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.65pt;margin-left:15.15pt">four-family residential</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">119,743</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">419</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">181</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">120,343</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Commercial real estate</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">1,458,400</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">32,063</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">3,709</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">1,494,172</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Other residential</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">866,006</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">866,006</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Commercial business</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">307,322</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">4,651</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">1,236</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">313,209</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Industrial revenue bonds</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">13,189</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">13,189</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Consumer auto</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">150,874</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">47</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">933</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">151,854</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Consumer other</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">46,294</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">92</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">334</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">46,720</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:7.2pt">Home equity lines of credit</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">118,428</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">43</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">517</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">118,988</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-7.2pt;margin-left:14.4pt">Loans acquired and accounted </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.9pt;margin-left:14.4pt">for under ASC 310-30,  </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.1pt;margin-left:14.4pt">net of discounts</p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">127,192</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">14</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">127,206</p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.1pt;margin-left:14.4pt"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:26.78%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-indent:26.4pt">Total </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:10.54%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-2.15pt;text-align:right">5,005,765</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:6.76%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-2.15pt;text-align:right">37,368</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:7.84%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:10.88%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-2.15pt;text-align:right">8,913</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:8.28%;padding-left:2.85pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-2.15pt;text-align:right">-</p> </td><td style="width:1.3%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right"> </p> </td><td style="width:2.2%;padding-left:2.85pt;padding-right:2.85pt" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;text-align:right">$</p> </td><td style="width:9.2%;padding-left:3.6pt;padding-right:2.85pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin-top:0pt;margin-bottom:1pt;margin-right:-2.15pt;text-align:right">5,052,046</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> 33400000 976000 0 0 0 34376000 13613000 0 0 24000 0 13637000 38646000 0 0 0 0 38646000 1211294000 0 0 0 0 1211294000 460804000 0 0 2689000 0 463493000 118074000 545000 0 278000 0 118897000 1467520000 61080000 0 3674000 0 1532274000 1024591000 0 0 0 0 1024591000 429065000 11063000 0 1182000 0 441310000 14222000 0 0 0 0 14222000 113229000 25000 0 673000 0 113927000 42548000 88000 0 246000 0 42882000 115735000 41000 0 517000 0 116293000 110652000 0 0 12000 0 110664000 5193393000 73818000 0 9295000 0 5276506000 33963000 0 0 0 0 33963000 16061000 27000 0 0 0 16088000 40431000 0 0 0 0 40431000 1322861000 0 0 0 0 1322861000 385001000 26000 0 1989000 0 387016000 119743000 419000 0 181000 0 120343000 1458400000 32063000 0 3709000 0 1494172000 866006000 0 0 0 0 866006000 307322000 4651000 0 1236000 0 313209000 13189000 0 0 0 0 13189000 150874000 47000 0 933000 0 151854000 46294000 92000 0 334000 0 46720000 118428000 43000 0 517000 0 118988000 127192000 0 0 14000 0 127206000 5005765000 37368000 0 8913000 0 5052046000 <p style="font:10pt Times New Roman;margin:0;color:#000000">NOTE 7: FDIC-ASSISTED ACQUIRED LOANS</p> <p style="font:10pt Times New Roman;margin:0;color:#000000;text-align:justify"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">On March 20, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the Federal Deposit Insurance Corporation (FDIC) to assume all of the deposits (excluding brokered deposits) and acquire certain assets of TeamBank, N.A., a full service commercial bank headquartered in Paola, Kansas.  The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">On September 4, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Vantus Bank, a full service thrift headquartered in Sioux City, Iowa. The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">On October 7, 2011, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Sun Security Bank, a full service bank headquartered in Ellington, Missouri. The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">On April 27, 2012, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Inter Savings Bank, FSB (“InterBank”), a full service bank headquartered in Maple Grove, Minnesota. The related loss sharing agreement was terminated early, effective June 9, 2017, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">On June 20, 2014, Great Southern Bank entered into a purchase and assumption agreement with the FDIC to purchase a substantial portion of the loans and investment securities, as well as certain other assets, and assume all of the deposits, as well as certain other liabilities, of Valley Bank, a full-service bank headquartered in Moline, Illinois, with significant operations in Iowa.  This transaction did not include a loss sharing agreement.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0">The following table presents the balances of the acquired loans related to the various FDIC-assisted transactions at June 30, 2020 and December 31, 2019.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.3pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Sun Security</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.65pt;text-align:center"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.65pt;text-align:center"> </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt;text-align:center"> </p> </td></tr> <tr style="height:10.3pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">TeamBank</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Vantus Bank</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Bank</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">InterBank</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.65pt;text-align:center"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.65pt;text-align:center">Valley Bank</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt;text-align:center"> </p> </td></tr> <tr style="height:10.3pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"> </p> </td><td colspan="13" style="width:65.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2pt;text-align:center">(In Thousands)</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt;text-align:center"> </p> </td></tr> <tr style="height:11pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"/> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"/> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"/> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"/> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"/> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt;text-align:center"> </p> </td></tr> <tr style="height:10.3pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0">June 30, 2020</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.65pt;text-align:right"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.65pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt;text-align:right"> </p> </td></tr> <tr style="height:10.3pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Gross loans receivable</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right">6,380 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right">8,953 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right">15,298 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">52,327 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:1.95pt;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:1.95pt;margin-right:-1.45pt;text-align:right">33,565 </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:24.75pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9.65pt;margin-left:9.65pt">Balance of accretable discount<br/>due to change in expected losses</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right">(120)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right">(53)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right">(251)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">(2,665)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">(1,076)</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:15.75pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9.65pt;margin-left:9.65pt">Net carrying value to loans receivable</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right">(6,231)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right">(8,887)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right">(14,919)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">(48,851)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">(31,773)</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:9.55pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:0.65pt">Expected loss remaining</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right">29 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right">13 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right">128 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">811 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">716 </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:11pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:10.3pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0">December 31, 2019</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:10.3pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Gross loans receivable</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right">7,304 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right">9,899 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right">17,906 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">60,430 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">41,032 </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:27.45pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9.65pt;margin-left:9.65pt">Balance of accretable discount<br/>due to change in expected losses</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right">(159)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right">(89)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right">(374)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">(5,143)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">(1,803)</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:18pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9.65pt;margin-left:9.65pt">Net carrying value to loans receivable</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right">(7,118)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right">(9,797)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right">(17,392)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">(54,442)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">(38,452)</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:10.3pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:0.65pt">Expected loss remaining</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right">27 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right">13 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right">140 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">845 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">777 </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Fair Value and Expected Cash Flows</i></b>.  At the time of these acquisitions, the Company determined the fair value of the loan portfolios based on several assumptions. Factors considered in the valuations were projected cash flows for the loans, type of loan and related collateral, classification status, fixed or variable interest rate, term of loan, current discount rates and whether or not the loan was amortizing. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. Management also estimated the amount of credit losses that were expected to be realized for the loan portfolios. The discounted cash flow approach was used to value each pool of loans. For non-performing loans, fair value was estimated by calculating the present value of the recoverable cash flows using a discount rate based on comparable corporate bond rates.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">The amount of the estimated cash flows expected to be received from the acquired loan pools in excess of the fair values recorded for the loan pools is referred to as the accretable yield.  The accretable yield is recognized as interest income over the estimated lives of the loans.  The Company continues to evaluate the fair value of the loans including cash flows expected to be collected.  Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses.  During the three months ended June 30, 2020 and 2019, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $0 and $3.7 million, respectively, to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis.  During the six months ended June 30, 2020 and 2019, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $0 and $5.3 million, respectively, to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis.  </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">Because the balance of these adjustments to accretable yield will be recognized generally over the remaining lives of the loan pools, they will impact future periods as well.  As of June 30, 2020, the remaining accretable yield adjustment that will affect interest income is $4.2 million.  Of the remaining adjustments affecting interest income, we expect to recognize $2.2 million of interest income during the remainder of 2020.  </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">The impact to income of adjustments on the Company’s financial results is shown below:</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:90%"><tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="3" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Three Months Ended</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="3" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Three Months Ended</p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="3" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30, 2020</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="3" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30, 2019</p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="8" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands, Except Per Share Data and Basis Points Data)</p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Impact on net interest income/</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.75pt;color:#000000">net interest margin (in basis points)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">1,537 </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">12 bps</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">1,399</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">12 bps</p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net impact to pre-tax income</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,537</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,399</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net impact net of taxes</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,187</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,080</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Impact to diluted earnings per share</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">0.08</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">0.08</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:90%"><tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="3" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Six Months Ended</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="3" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Six Months Ended</p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="3" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30, 2020</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="3" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30, 2019</p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="8" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands, Except Per Share Data and Basis Points Data)</p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Impact on net interest income/</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.75pt;color:#000000">net interest margin (in basis points)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">3,403 </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">14 bps</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">2,911</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">13 bps</p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net impact to pre-tax income</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,403</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,911</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net impact net of taxes</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,627</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,247</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Impact to diluted earnings per share</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">0.19</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">0.16</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Changes in the accretable yield for acquired loan pools were as follows for the three and six months ended June 30, 2020 and 2019:</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:99.3%"><tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Sun Security</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">TeamBank</p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Vantus Bank</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Bank</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">InterBank</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Valley Bank</p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="14" style="width:64.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td><td style="width:1.18%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Balance, April 1, 2020</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,078 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,086 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,280 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">6,357 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,612 </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Accretion</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(114)</p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(189)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(266)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.65pt;margin-left:-10.8pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(1,857)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(833)</p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt;text-align:justify"> </p> </td></tr> <tr style="height:9pt"><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Change in expected accretable yield<span style="vertical-align:super">(1)</span></p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(46)</p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">57 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> (121)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.65pt;margin-left:-10.8pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">752 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">344 </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Balance, June 30, 2020</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">918 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">954 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,893 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">5,252 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,123 </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Balance, April 1, 2019</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,399 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,302 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,444 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">7,948 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,329 </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Accretion</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(180)</p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(261)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(340)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(1,951)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(1,132)</p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Change in expected accretable yield<span style="vertical-align:super">(1)</span></p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">131 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">186 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(245)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,468 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,347 </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Balance, June 30, 2019</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,350 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,227 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,859 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">8,465 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">5,544 </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:98.88%"><tr><td style="width:4.5%" valign="top"><p style="font:9pt Times New Roman;margin:0">(1)</p> </td><td style="width:95.5%" valign="top"><p style="font:9pt Times New Roman;margin:0">Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses.  The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the three months ended June 30, 2020, totaling $(46,000), $57,000, $(121,000), $752,000 and $344,000, respectively, and for the three months ended June 30, 2019, totaling $68,000, $186,000, $(336,000), $468,000 and $839,000, respectively.  </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:99.3%"><tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Sun Security</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">TeamBank</p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Vantus Bank</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Bank</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">InterBank</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Valley Bank</p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="14" style="width:64.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Balance, January 1, 2020</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,157 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,123 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,948 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">8,277 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,578 </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Accretion</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(239)</p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(420)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(592)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(3,963)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(1,740)</p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt;text-align:justify"> </p> </td></tr> <tr style="height:9pt"><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Change in expected accretable yield<span style="vertical-align:super">(1)</span></p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">- </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">251 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">537 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">938 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,285 </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Balance, June 30, 2020</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">918 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">954 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,893 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">5,252 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,123 </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Balance, January 1, 2019</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,356 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,432 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,242 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,994 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,063 </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Accretion</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(615)</p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(478)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(781)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(3,979)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(1,985)</p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Change in expected accretable yield<span style="vertical-align:super">(1)</span></p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">609 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">273 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">398 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">7,450 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,466 </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Balance, June 30, 2019</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,350 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,227 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,859 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">8,465 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">5,544 </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:98.88%"><tr><td style="width:4.5%" valign="top"><p style="font:9pt Times New Roman;margin:0">(1)</p> </td><td style="width:95.5%" valign="top"><p style="font:9pt Times New Roman;margin:0">Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses.  The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the six months ended June 30, 2020, totaling $0, $251,000, $537,000, $938,000 and $1.3 million, respectively, and for the six months ended June 30, 2019, totaling $546,000, $273,000, $247,000, $4.6 million and $2.2 million, respectively.  </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">On March 20, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the Federal Deposit Insurance Corporation (FDIC) to assume all of the deposits (excluding brokered deposits) and acquire certain assets of TeamBank, N.A., a full service commercial bank headquartered in Paola, Kansas.  The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000">On September 4, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Vantus Bank, a full service thrift headquartered in Sioux City, Iowa. The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000">On October 7, 2011, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Sun Security Bank, a full service bank headquartered in Ellington, Missouri. The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000">On April 27, 2012, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Inter Savings Bank, FSB (“InterBank”), a full service bank headquartered in Maple Grove, Minnesota. The related loss sharing agreement was terminated early, effective June 9, 2017, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000">On June 20, 2014, Great Southern Bank entered into a purchase and assumption agreement with the FDIC to purchase a substantial portion of the loans and investment securities, as well as certain other assets, and assume all of the deposits, as well as certain other liabilities, of Valley Bank, a full-service bank headquartered in Moline, Illinois, with significant operations in Iowa.  This transaction did not include a loss sharing agreement.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.3pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Sun Security</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.65pt;text-align:center"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.65pt;text-align:center"> </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt;text-align:center"> </p> </td></tr> <tr style="height:10.3pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">TeamBank</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Vantus Bank</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Bank</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">InterBank</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.65pt;text-align:center"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.65pt;text-align:center">Valley Bank</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt;text-align:center"> </p> </td></tr> <tr style="height:10.3pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"> </p> </td><td colspan="13" style="width:65.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2pt;text-align:center">(In Thousands)</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt;text-align:center"> </p> </td></tr> <tr style="height:11pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"/> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"/> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"/> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"/> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;margin-right:-2pt;text-align:center"/> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt;text-align:center"> </p> </td></tr> <tr style="height:10.3pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0">June 30, 2020</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.65pt;text-align:right"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.65pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt;text-align:right"> </p> </td></tr> <tr style="height:10.3pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Gross loans receivable</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right">6,380 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right">8,953 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right">15,298 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">52,327 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:1.95pt;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:1.95pt;margin-right:-1.45pt;text-align:right">33,565 </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:24.75pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9.65pt;margin-left:9.65pt">Balance of accretable discount<br/>due to change in expected losses</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right">(120)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right">(53)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right">(251)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">(2,665)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">(1,076)</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:15.75pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9.65pt;margin-left:9.65pt">Net carrying value to loans receivable</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right">(6,231)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right">(8,887)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right">(14,919)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">(48,851)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">(31,773)</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:9.55pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:0.65pt">Expected loss remaining</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right">29 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right">13 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right">128 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">811 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">716 </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:11pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:10.3pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0">December 31, 2019</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:10.3pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Gross loans receivable</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right">7,304 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right">9,899 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right">17,906 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">60,430 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">41,032 </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:27.45pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9.65pt;margin-left:9.65pt">Balance of accretable discount<br/>due to change in expected losses</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right">(159)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right">(89)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right">(374)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">(5,143)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">(1,803)</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:18pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9.65pt;margin-left:9.65pt">Net carrying value to loans receivable</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right">(7,118)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right">(9,797)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right">(17,392)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">(54,442)</p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">(38,452)</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt"> </p> </td></tr> <tr style="height:10.3pt"><td style="width:31.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:0.65pt">Expected loss remaining</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:9.46%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:2.95pt;text-align:right">27 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:11.08%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.6pt;text-align:right">13 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:10.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:3.95pt;text-align:right">140 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:8.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">845 </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">$</p> </td><td style="width:10.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">777 </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.8pt;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 6380000 8953000 15298000 52327000 33565000 120000 53000 251000 2665000 1076000 -6231000 -8887000 -14919000 -48851000 -31773000 29000 13000 128000 811000 716000 7304000 9899000 17906000 60430000 41032000 159000 89000 374000 5143000 1803000 -7118000 -9797000 -17392000 -54442000 -38452000 27000 13000 140000 845000 777000 <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Fair Value and Expected Cash Flows</i></b>.  At the time of these acquisitions, the Company determined the fair value of the loan portfolios based on several assumptions. Factors considered in the valuations were projected cash flows for the loans, type of loan and related collateral, classification status, fixed or variable interest rate, term of loan, current discount rates and whether or not the loan was amortizing. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. Management also estimated the amount of credit losses that were expected to be realized for the loan portfolios. The discounted cash flow approach was used to value each pool of loans. For non-performing loans, fair value was estimated by calculating the present value of the recoverable cash flows using a discount rate based on comparable corporate bond rates.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">The amount of the estimated cash flows expected to be received from the acquired loan pools in excess of the fair values recorded for the loan pools is referred to as the accretable yield.  The accretable yield is recognized as interest income over the estimated lives of the loans.  The Company continues to evaluate the fair value of the loans including cash flows expected to be collected.  Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses.  During the three months ended June 30, 2020 and 2019, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $0 and $3.7 million, respectively, to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis.  During the six months ended June 30, 2020 and 2019, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $0 and $5.3 million, respectively, to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis.  </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">Because the balance of these adjustments to accretable yield will be recognized generally over the remaining lives of the loan pools, they will impact future periods as well.  As of June 30, 2020, the remaining accretable yield adjustment that will affect interest income is $4.2 million.  Of the remaining adjustments affecting interest income, we expect to recognize $2.2 million of interest income during the remainder of 2020.  </p> 0 0 3700000 3700000 0 0 5300000 5300000 4200000 2200000 <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:90%"><tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="3" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Three Months Ended</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="3" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Three Months Ended</p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="3" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30, 2020</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="3" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30, 2019</p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="8" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands, Except Per Share Data and Basis Points Data)</p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Impact on net interest income/</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.75pt;color:#000000">net interest margin (in basis points)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">1,537 </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">12 bps</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">1,399</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">12 bps</p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net impact to pre-tax income</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,537</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,399</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net impact net of taxes</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,187</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,080</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Impact to diluted earnings per share</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">0.08</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">0.08</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:90%"><tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="3" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Six Months Ended</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="3" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Six Months Ended</p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="3" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30, 2020</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="3" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30, 2019</p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="8" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands, Except Per Share Data and Basis Points Data)</p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Impact on net interest income/</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.75pt;color:#000000">net interest margin (in basis points)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">3,403 </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">14 bps</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right">2,911</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">13 bps</p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net impact to pre-tax income</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,403</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,911</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Net impact net of taxes</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,627</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,247</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:10.95pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.1pt;color:#000000">Impact to diluted earnings per share</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">0.19</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">0.16</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 1537000 12 1399000 12 1537000 1399000 1187000 1080000 0.08 0.08 3403000 14 2911000 13 3403000 2911000 2627000 2247000 0.19 0.16 <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:99.3%"><tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Sun Security</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">TeamBank</p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Vantus Bank</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Bank</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">InterBank</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Valley Bank</p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="14" style="width:64.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td><td style="width:1.18%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Balance, April 1, 2020</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,078 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,086 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,280 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">6,357 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,612 </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Accretion</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(114)</p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(189)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(266)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.65pt;margin-left:-10.8pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(1,857)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(833)</p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt;text-align:justify"> </p> </td></tr> <tr style="height:9pt"><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Change in expected accretable yield<span style="vertical-align:super">(1)</span></p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(46)</p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">57 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> (121)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.65pt;margin-left:-10.8pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">752 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">344 </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Balance, June 30, 2020</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">918 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">954 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,893 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">5,252 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,123 </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Balance, April 1, 2019</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,399 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,302 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,444 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">7,948 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,329 </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Accretion</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(180)</p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(261)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(340)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(1,951)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(1,132)</p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Change in expected accretable yield<span style="vertical-align:super">(1)</span></p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">131 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">186 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(245)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,468 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,347 </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Balance, June 30, 2019</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,350 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,227 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,859 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">8,465 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">5,544 </p> </td><td colspan="2" style="width:1.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:98.88%"><tr><td style="width:4.5%" valign="top"><p style="font:9pt Times New Roman;margin:0">(1)</p> </td><td style="width:95.5%" valign="top"><p style="font:9pt Times New Roman;margin:0">Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses.  The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the three months ended June 30, 2020, totaling $(46,000), $57,000, $(121,000), $752,000 and $344,000, respectively, and for the three months ended June 30, 2019, totaling $68,000, $186,000, $(336,000), $468,000 and $839,000, respectively.  </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:99.3%"><tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Sun Security</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">TeamBank</p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Vantus Bank</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Bank</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">InterBank</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Valley Bank</p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="14" style="width:64.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="top"/><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Balance, January 1, 2020</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,157 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,123 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,948 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">8,277 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,578 </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Accretion</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(239)</p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(420)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(592)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(3,963)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(1,740)</p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt;text-align:justify"> </p> </td></tr> <tr style="height:9pt"><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Change in expected accretable yield<span style="vertical-align:super">(1)</span></p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">- </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">251 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">537 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">938 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,285 </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Balance, June 30, 2020</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">918 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">954 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,893 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">5,252 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,123 </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Balance, January 1, 2019</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,356 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,432 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,242 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,994 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,063 </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Accretion</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(615)</p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(478)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(781)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(3,979)</p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(1,985)</p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Change in expected accretable yield<span style="vertical-align:super">(1)</span></p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">609 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">273 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">398 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">7,450 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,466 </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;text-align:justify"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr><td style="width:32.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Balance, June 30, 2019</p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,350 </p> </td><td style="width:1.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,227 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,859 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">8,465 </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt;text-align:center"> </p> </td><td style="width:1.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">5,544 </p> </td><td colspan="2" style="width:1.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> </table> <p style="font:9pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:98.88%"><tr><td style="width:4.5%" valign="top"><p style="font:9pt Times New Roman;margin:0">(1)</p> </td><td style="width:95.5%" valign="top"><p style="font:9pt Times New Roman;margin:0">Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses.  The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the six months ended June 30, 2020, totaling $0, $251,000, $537,000, $938,000 and $1.3 million, respectively, and for the six months ended June 30, 2019, totaling $546,000, $273,000, $247,000, $4.6 million and $2.2 million, respectively.  </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 1078000 1086000 2280000 6357000 4612000 114000 189000 266000 1857000 833000 -46000 57000 -121000 752000 344000 918000 954000 1893000 5252000 4123000 1399000 1302000 2444000 7948000 4329000 180000 261000 340000 1951000 1132000 131000 186000 -245000 2468000 2347000 1350000 1227000 1859000 8465000 5544000 1157000 1123000 1948000 8277000 4578000 239000 420000 592000 3963000 1740000 0 251000 537000 938000 1285000 918000 954000 1893000 5252000 4123000 1356000 1432000 2242000 4994000 3063000 615000 478000 781000 3979000 1985000 609000 273000 398000 7450000 4466000 1350000 1227000 1859000 8465000 5544000 <p style="font:10pt Times New Roman;margin:0;color:#000000">NOTE 8: OTHER REAL ESTATE OWNED AND REPOSSESSIONS</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Major classifications of other real estate owned were as follows:</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:83.82%"><tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">December 31,</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="4" style="width:41.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Foreclosed assets held for sale and repossessions</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   One- to four-family construction</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Subdivision construction</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">350</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">689</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Land development</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,358</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,816</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Commercial construction</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   One- to four-family residential</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">291</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">601</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Other residential</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Commercial real estate</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Commercial business</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Consumer</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">340</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">545</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,339</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,651</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Foreclosed assets acquired through FDIC-assisted</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">      transactions, net of discounts </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,236</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,003</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Foreclosed assets held for sale and repossessions, net</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,575</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,654</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Other real estate owned not acquired through foreclosure</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">860</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">871</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Other real estate owned and repossessions</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,435</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">5,525</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">At both June 30, 2020 and December 31, 2019, other real estate owned not acquired through foreclosure included six properties, all of which were branch locations that were closed and are held for sale.  </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">At June 30, 2020, residential mortgage loans totaling $751,000 were in the process of foreclosure, $650,000 of which were acquired loans.  This does not include one loan totaling $57,000 that is in the process of foreclosure that is owned by Fannie Mae and serviced by the Bank. Pursuant to Section 4022 of the recently-enacted CARES Act, the Company has suspended all foreclosure proceedings. Under this provision, no mortgage servicer of any federally-backed mortgage loan is permitted to initiate any foreclosure process, whether judicial or non-judicial, move for a foreclosure judgment or order of sale, or execute a foreclosure- related eviction or foreclosure sale for a 60-day period, beginning March 18, 2020. This provision was subsequently extended through August 31, 2020.</p> <p style="font:11pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">At December 31, 2019, residential mortgage loans totaling $1.6 million were in the process of foreclosure, $1.4 million of which were acquired loans.</p> <p style="font:10pt Times New Roman;margin:0">Expenses applicable to other real estate owned and repossessions included the following:</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:33.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Three Months Ended</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:33.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30,</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:33.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:7.5pt">Net gains on sales of other real estate owned and repossessions</p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(5)</p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(244)</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Valuation write-downs</p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">50 </p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">197 </p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Operating expenses, net of rental income</p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">223 </p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">466 </p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">268 </p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">419 </p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:33.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Six Months Ended</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:33.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30,</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:33.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:7.5pt">Net gains on sales of other real estate owned and repossessions</p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(101)</p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(410)</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Valuation write-downs</p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">213 </p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">444 </p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Operating expenses, net of rental income</p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">635 </p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,005 </p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">747 </p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,039 </p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:83.82%"><tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">December 31,</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="4" style="width:41.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Foreclosed assets held for sale and repossessions</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   One- to four-family construction</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Subdivision construction</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">350</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">689</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Land development</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,358</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,816</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Commercial construction</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   One- to four-family residential</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">291</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">601</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Other residential</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Commercial real estate</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Commercial business</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Consumer</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">340</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">545</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,339</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,651</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Foreclosed assets acquired through FDIC-assisted</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">      transactions, net of discounts </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,236</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,003</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Foreclosed assets held for sale and repossessions, net</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,575</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,654</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">   Other real estate owned not acquired through foreclosure</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">860</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">871</p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:11.35pt"><td style="width:56.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Other real estate owned and repossessions</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:19.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,435</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:19.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">5,525</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 0 0 350000 689000 1358000 1816000 0 0 291000 601000 0 0 0 0 0 0 340000 545000 1236000 1003000 3575000 4654000 860000 871000 4435000 5525000 6 751000 650000 57000 1600000 1400000 <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:33.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Three Months Ended</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:33.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30,</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:33.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:7.5pt">Net gains on sales of other real estate owned and repossessions</p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(5)</p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(244)</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Valuation write-downs</p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">50 </p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">197 </p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Operating expenses, net of rental income</p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">223 </p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">466 </p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">268 </p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">419 </p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:33.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Six Months Ended</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:33.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30,</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:33.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:7.5pt">Net gains on sales of other real estate owned and repossessions</p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(101)</p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(410)</p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Valuation write-downs</p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">213 </p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">444 </p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Operating expenses, net of rental income</p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">635 </p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,005 </p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:14.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">747 </p> </td><td style="width:2.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,039 </p> </td><td style="width:1.52%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> -5000 -244000 50000 197000 223000 466000 268000 419000 -101000 -410000 213000 444000 635000 1005000 747000 1039000 <p style="font:10pt Times New Roman;margin:0">NOTE 9: PREMISES AND EQUIPMENT</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Major classifications of premises and equipment, stated at cost, were as follows:</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:90.38%"><tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30,</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:2.96%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:15.82%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">December 31,</p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2020</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:2.96%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:15.82%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2019</p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-indent:-0.75pt;margin-left:-0.75pt;margin-right:14.4pt;text-align:justify"/> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"/> </td><td colspan="5" style="width:38.28%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"><span style="font-size:9pt">(In Thousands)</span></p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"/><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"/> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"/><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Land</p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">$</p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">40,767</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">$</p> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">40,632</p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Buildings and improvements</p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right"> 98,406</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">96,959</p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Furniture, fixtures and equipment</p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right"> 58,143</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">56,986</p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Operating leases right of use asset</p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">8,979</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">8,668</p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"> </p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right"> 206,295</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">203,245</p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Less accumulated depreciation</p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">65,737</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">61,337</p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right"> </p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"/><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">$</p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">140,558</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">$</p> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">141,908</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"><b><i>Leases.</i></b>  The Company adopted ASU 2016-02, <i>Leases (Topic 842)</i>, on January 1, 2019, using the modified retrospective transition approach whereby comparative periods were not restated.  The Company also elected certain relief options under the </p> <p style="font:10pt Times New Roman;margin:0"><span style="font-size:10pt">ASU, including the option not to recognize right of use asset and lease liabilities that arise from short-term leases (leases with terms of twelve months or less).   Adoption of this ASU resulted in the Company initially recognizing a right of use asset and corresponding lease liability of $9.5 million during the three months ended March 31, 2019.  The amount of the right of use asset and corresponding lease liability will fluctuate based on the Company’s lease terminations, new leases and lease modifications and renewals. As of June 30, 2020, the lease right to use asset value was $9.0 million and the corresponding lease liability was $9.1 million.</span></p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">All of our leases are classified as operating leases (as they were prior to January 1, 2019), and therefore were previously not recognized on the Company’s consolidated statements of financial condition.  With the adoption of ASU 2016-02, these operating leases are now included as a right of use asset in the premises and equipment line item on the Company’s consolidated statements of financial condition.  The corresponding lease liability is included in the accrued expenses and other liabilities line item on the Company’s consolidated statements of financial condition.  Because these leases are classified as operating leases, the adoption of the new standard did not have a material effect on lease expense on the Company’s consolidated statements of income.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">ASU 2016-02 provides a number of optional practical expedients in transition. The Company has elected the “package of practical expedients,” which permits the Company not to reassess under the new standard the prior conclusions about lease identification, lease classification and initial direct costs. The Company also elected the use of the hindsight, a practical expedient which permits the use of information available after lease inception to determine the lease term via the knowledge of renewal options exercised not available as of the lease’s inception.  The practical expedient pertaining to land easements is not applicable to the Company.  </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">ASU 2016-02 also requires certain other accounting elections.  The Company elected the short-term lease recognition exemption for all leases that qualify, meaning those with terms under twelve months.  Right of use assets or lease liabilities are not to be recognized for short-term leases. The Company also elected the practical expedient to not separate lease and non-lease components for all leases.   The Company’s short-term leases related to offsite ATMs have both fixed and variable lease payment components, based on the number of transactions at the various ATMs.  The variable portion of these lease payments is not material and the total lease expense related to ATMs for the three months ended June 30, 2020 and 2019 was $65,000 and $76,000, respectively. The total lease expense related to ATMs for the six months ended June 30, 2020 and 2019, was $126,000 and $149,000, respectively.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The calculated amounts of the right of use assets and lease liabilities in the table below are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew the extended term in the calculation of the right of use asset and lease liability. Regarding the discount rate, the ASU requires the use of the rate implicit in the lease at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the right of use asset and lease liability.  Regarding the discount rate, the ASU requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception over a similar term. The discount rate utilized was the FHLBank borrowing rate for the term corresponding to the expected term of the lease.  The remaining expected lease terms range from 2.8 years to 18.4 years with a weighted-average lease term of 9.5 years.  The weighted-average discount rate was 3.24%.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse"><tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="4" style="width:145.95pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.1pt;margin-right:-2.45pt;text-align:center">At or For the Three Months Ended</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.1pt;margin-right:-2.45pt;color:#000000;text-align:center">June 30, 2020</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30, 2019</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:54pt;margin-right:14.4pt;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="4" style="width:145.95pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-54.1pt;margin-left:54pt;margin-right:14.4pt"><span style="border-bottom:1px solid #000000">Statement of Financial Condition</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Operating leases right of use asset</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">8,979</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,106</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Operating leases liability</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,073</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,153</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"><span style="border-bottom:1px solid #000000">Statement of Income</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Operating lease costs classified as occupancy and equipment expense</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">400</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">371</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">  (includes short-term lease costs and amortization of right of use asset)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"><span style="border-bottom:1px solid #000000">Supplemental Cash Flow Information</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Cash paid for amounts included in the measurement of lease liabilities:</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:0.1pt;margin-left:-0.1pt;margin-right:14.4pt">  Operating cash flows from operating leases</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">387</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">351</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse"><tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="4" style="width:146pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.1pt;margin-right:-2.45pt;text-align:center">At or For the Six Months Ended</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.1pt;margin-right:-2.45pt;color:#000000;text-align:center">June 30, 2020</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30, 2019</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:54pt;margin-right:14.4pt;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="4" style="width:146pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-54.1pt;margin-left:54pt;margin-right:14.4pt"><span style="border-bottom:1px solid #000000">Statement of Financial Condition</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Operating leases right of use asset</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">8,979</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,106</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Operating leases liability</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,073</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,153</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"><span style="border-bottom:1px solid #000000">Statement of Income</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Operating lease costs classified as occupancy and equipment expense</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">785</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">747</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">  (includes short-term lease costs and amortization of right of use asset)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"><span style="border-bottom:1px solid #000000">Supplemental Cash Flow Information</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Cash paid for amounts included in the measurement of lease liabilities:</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:0.1pt;margin-left:-0.1pt;margin-right:14.4pt">  Operating cash flows from operating leases</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">758</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">701</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Right of use assets obtained in exchange for lease obligations:</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:17.25pt;margin-right:14.4pt">  Operating leases</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">972</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,538</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">For the three months ended June 30, 2020 and 2019, lease expense was $400,000 and $371,000, respectively. For the six months ended June 30, 2020 and 2019, lease expense was $785,000 and $747,000, respectively. At June 30, 2020, future expected lease payments for leases with terms exceeding one year were as follows (In Thousands):</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:66.7%"><tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> 549</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">2021</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  1,118</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">2022</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  1,116</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">2023</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  1,088</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">2024</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  1,005</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">2025</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  979</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Thereafter</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  4,926</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Future lease payments expected</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  10,781</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Less interest portion of lease payments</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  (1,708</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt;margin-right:-1.45pt">)</p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Lease liability</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> 9,073</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:center"> </p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0;margin-left:28.8pt"> </p> <p style="font:10pt Times New Roman;margin:0">The Company does not sublease any of its leased facilities; however, it does lease to other third parties portions of facilities that it owns.  In terms of being the lessor in these circumstances, all of these lease agreements are classified as operating leases.  In the three months ended June 30, 2020 and 2019, income recognized from these lessor agreements was $271,000 and $285,000, respectively, and was included in occupancy and equipment expense. In the six months ended June 30, 2020 and </p> <p style="font:10pt Times New Roman;margin:0"><span style="font-size:10pt">2019, income recognized from these lessor agreements was $570,000 and $561,000, respectively, and was included in occupancy and equipment expense.</span></p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:90.38%"><tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30,</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:2.96%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:15.82%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">December 31,</p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2020</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:2.96%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:15.82%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2019</p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-indent:-0.75pt;margin-left:-0.75pt;margin-right:14.4pt;text-align:justify"/> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"/> </td><td colspan="5" style="width:38.28%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"><span style="font-size:9pt">(In Thousands)</span></p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"/><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"/> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"/><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Land</p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">$</p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">40,767</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">$</p> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">40,632</p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Buildings and improvements</p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right"> 98,406</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">96,959</p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Furniture, fixtures and equipment</p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right"> 58,143</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">56,986</p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Operating leases right of use asset</p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">8,979</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">8,668</p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"> </p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right"> 206,295</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">203,245</p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Less accumulated depreciation</p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">65,737</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">61,337</p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right"> </p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:6.85pt;text-align:right"> </p> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:58.52%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"/><td style="width:3.2%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">$</p> </td><td style="width:15.94%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">140,558</p> </td><td style="width:3.54%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.88%;padding-left:5.75pt;padding-right:5.75pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">$</p> </td><td colspan="2" style="width:15.92%;padding-left:5.75pt;padding-right:5.75pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-5.05pt;text-align:right">141,908</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 40767000 40632000 98406000 96959000 58143000 56986000 8979000 8668000 65737000 61337000 140558000 141908000 <p style="font:10pt Times New Roman;margin:0"><b><i>Leases.</i></b>  The Company adopted ASU 2016-02, <i>Leases (Topic 842)</i>, on January 1, 2019, using the modified retrospective transition approach whereby comparative periods were not restated.  The Company also elected certain relief options under the </p> <p style="font:10pt Times New Roman;margin:0"><span style="font-size:10pt">ASU, including the option not to recognize right of use asset and lease liabilities that arise from short-term leases (leases with terms of twelve months or less).   Adoption of this ASU resulted in the Company initially recognizing a right of use asset and corresponding lease liability of $9.5 million during the three months ended March 31, 2019.  The amount of the right of use asset and corresponding lease liability will fluctuate based on the Company’s lease terminations, new leases and lease modifications and renewals. As of June 30, 2020, the lease right to use asset value was $9.0 million and the corresponding lease liability was $9.1 million.</span></p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">All of our leases are classified as operating leases (as they were prior to January 1, 2019), and therefore were previously not recognized on the Company’s consolidated statements of financial condition.  With the adoption of ASU 2016-02, these operating leases are now included as a right of use asset in the premises and equipment line item on the Company’s consolidated statements of financial condition.  The corresponding lease liability is included in the accrued expenses and other liabilities line item on the Company’s consolidated statements of financial condition.  Because these leases are classified as operating leases, the adoption of the new standard did not have a material effect on lease expense on the Company’s consolidated statements of income.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">ASU 2016-02 provides a number of optional practical expedients in transition. The Company has elected the “package of practical expedients,” which permits the Company not to reassess under the new standard the prior conclusions about lease identification, lease classification and initial direct costs. The Company also elected the use of the hindsight, a practical expedient which permits the use of information available after lease inception to determine the lease term via the knowledge of renewal options exercised not available as of the lease’s inception.  The practical expedient pertaining to land easements is not applicable to the Company.  </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">ASU 2016-02 also requires certain other accounting elections.  The Company elected the short-term lease recognition exemption for all leases that qualify, meaning those with terms under twelve months.  Right of use assets or lease liabilities are not to be recognized for short-term leases. The Company also elected the practical expedient to not separate lease and non-lease components for all leases.   The Company’s short-term leases related to offsite ATMs have both fixed and variable lease payment components, based on the number of transactions at the various ATMs.  The variable portion of these lease payments is not material and the total lease expense related to ATMs for the three months ended June 30, 2020 and 2019 was $65,000 and $76,000, respectively. The total lease expense related to ATMs for the six months ended June 30, 2020 and 2019, was $126,000 and $149,000, respectively.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The calculated amounts of the right of use assets and lease liabilities in the table below are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew the extended term in the calculation of the right of use asset and lease liability. Regarding the discount rate, the ASU requires the use of the rate implicit in the lease at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the right of use asset and lease liability.  Regarding the discount rate, the ASU requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception over a similar term. The discount rate utilized was the FHLBank borrowing rate for the term corresponding to the expected term of the lease.  The remaining expected lease terms range from 2.8 years to 18.4 years with a weighted-average lease term of 9.5 years.  The weighted-average discount rate was 3.24%.</p> 9500000 9000000.0 9100000 65000 76000 126000 149000 2.8 years 18.4 years 9.5 years 0.0324 <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse"><tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="4" style="width:145.95pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.1pt;margin-right:-2.45pt;text-align:center">At or For the Three Months Ended</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.1pt;margin-right:-2.45pt;color:#000000;text-align:center">June 30, 2020</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30, 2019</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:54pt;margin-right:14.4pt;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="4" style="width:145.95pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-54.1pt;margin-left:54pt;margin-right:14.4pt"><span style="border-bottom:1px solid #000000">Statement of Financial Condition</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Operating leases right of use asset</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">8,979</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,106</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Operating leases liability</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,073</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,153</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"><span style="border-bottom:1px solid #000000">Statement of Income</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Operating lease costs classified as occupancy and equipment expense</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">400</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">371</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">  (includes short-term lease costs and amortization of right of use asset)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"><span style="border-bottom:1px solid #000000">Supplemental Cash Flow Information</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Cash paid for amounts included in the measurement of lease liabilities:</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:0.1pt;margin-left:-0.1pt;margin-right:14.4pt">  Operating cash flows from operating leases</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">387</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">351</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.8pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse"><tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="4" style="width:146pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.1pt;margin-right:-2.45pt;text-align:center">At or For the Six Months Ended</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-1.1pt;margin-right:-2.45pt;color:#000000;text-align:center">June 30, 2020</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30, 2019</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:54pt;margin-right:14.4pt;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td colspan="4" style="width:146pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-54.1pt;margin-left:54pt;margin-right:14.4pt"><span style="border-bottom:1px solid #000000">Statement of Financial Condition</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Operating leases right of use asset</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">8,979</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,106</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Operating leases liability</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,073</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,153</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"><span style="border-bottom:1px solid #000000">Statement of Income</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Operating lease costs classified as occupancy and equipment expense</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">785</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">747</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">  (includes short-term lease costs and amortization of right of use asset)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"><span style="border-bottom:1px solid #000000">Supplemental Cash Flow Information</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Cash paid for amounts included in the measurement of lease liabilities:</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:0.1pt;margin-left:-0.1pt;margin-right:14.4pt">  Operating cash flows from operating leases</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">758</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">701</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt">Right of use assets obtained in exchange for lease obligations:</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:17.25pt;margin-right:14.4pt">  Operating leases</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">972</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">$</p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,538</p> </td></tr> <tr><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-0.1pt;margin-right:14.4pt"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:66.45pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:68.2pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 8979000 9106000 9073000 9153000 400000 371000 387000 351000 8979000 9106000 9073000 9153000 785000 747000 758000 701000 972000 9538000 400000 371000 785000 747000 <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:66.7%"><tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> 549</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">2021</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  1,118</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">2022</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  1,116</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">2023</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  1,088</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">2024</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  1,005</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">2025</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  979</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Thereafter</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  4,926</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Future lease payments expected</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  10,781</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Less interest portion of lease payments</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">  (1,708</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt;margin-right:-1.45pt">)</p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr><td style="width:61.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0">Lease liability</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> 9,073</p> </td><td style="width:2.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:center"> </p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0;margin-left:28.8pt"> </p> 549000 1118000 1116000 1088000 1005000 979000 4926000 10781000 -1708000 9073000 271000 285000 570000 561000 <p style="font:10pt Times New Roman;margin:0">NOTE 10: DEPOSITS</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:78.54%"><tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30,</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">December 31,</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2020</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2019</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="4" style="width:37.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-indent:3.55pt;text-align:right"/> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Time Deposits:</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:7.95pt;color:#000000"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:7.95pt;color:#000000"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:13.5pt;color:#000000">0.00% - 0.99%</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right">$</p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right">478,525</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right">$</p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">122,649</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:13.5pt;color:#000000">1.00% - 1.99%</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right">894,301</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">523,816</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:13.5pt;color:#000000">2.00% - 2.99%</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right">315,071</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">1,053,914</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:13.5pt;color:#000000">3.00% - 3.99%</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right">18,822</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">19,849</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:13.5pt">4.00% - 4.99%</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right">421</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">881</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Total time deposits (weighted average rate 1.44% and 2.09%)</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right">1,707,140</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">1,721,109</p> </td></tr> <tr style="height:18.45pt"><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Non-interest-bearing demand deposits </p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right">879,245</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">687,068</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Interest-bearing demand and savings deposits </p> <p style="font:9pt Times New Roman;margin:0;text-indent:13.25pt;color:#000000">(Weighted average rate 0.34% and 0.55%)</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right">1,925,773</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">1,551,929</p> </td></tr> <tr style="height:15.3pt"><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Total Deposits</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;text-align:right">$</p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right">4,512,158</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;text-align:right">$</p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">3,960,106</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:78.54%"><tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30,</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">December 31,</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2020</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2019</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="4" style="width:37.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-indent:3.55pt;text-align:right"/> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Time Deposits:</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;margin-right:7.95pt;color:#000000"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:7.95pt;color:#000000"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:13.5pt;color:#000000">0.00% - 0.99%</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right">$</p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right">478,525</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right">$</p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">122,649</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:13.5pt;color:#000000">1.00% - 1.99%</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right">894,301</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">523,816</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:13.5pt;color:#000000">2.00% - 2.99%</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right">315,071</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">1,053,914</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:13.5pt;color:#000000">3.00% - 3.99%</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right">18,822</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">19,849</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:13.5pt">4.00% - 4.99%</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right">421</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">881</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Total time deposits (weighted average rate 1.44% and 2.09%)</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right">1,707,140</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">1,721,109</p> </td></tr> <tr style="height:18.45pt"><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Non-interest-bearing demand deposits </p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right">879,245</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;color:#000000;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">687,068</p> </td></tr> <tr><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Interest-bearing demand and savings deposits </p> <p style="font:9pt Times New Roman;margin:0;text-indent:13.25pt;color:#000000">(Weighted average rate 0.34% and 0.55%)</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right"> </p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right">1,925,773</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;text-align:right"> </p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">1,551,929</p> </td></tr> <tr style="height:15.3pt"><td style="width:58.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000">Total Deposits</p> </td><td style="width:4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;text-align:right">$</p> </td><td style="width:15.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.05pt;color:#000000;text-align:right">4,512,158</p> </td><td style="width:1.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:5.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.55pt;text-align:right">$</p> </td><td style="width:15.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;color:#000000;text-align:right">3,960,106</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 478525000 122649000 894301000 523816000 315071000 1053914000 18822000 19849000 421000 881000 1707140000 1721109000 879245000 687068000 1925773000 1551929000 4512158000 3960106000 <p style="font:10pt Times New Roman;margin:0">NOTE 11: ADVANCES FROM FEDERAL HOME LOAN BANK </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">At June 30, 2020 and December 31, 2019, there were no outstanding term advances from the Federal Home Loan Bank of Des Moines (FHLBank advances).  There were overnight funds from the Federal Home Loan Bank of Des Moines as of December 31, 2019, which are included below in <i>Note 12</i>.</p> <p style="font:1pt Times New Roman;margin:0;margin-left:28.8pt"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> 0 0 <p style="font:10pt Times New Roman;margin:0;color:#000000">NOTE 12: SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:86.68%"><tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30,</p> <p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2020</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">December 31, </p> <p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2019</p> </td></tr> <tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="4" style="width:30.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:14.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:27pt;margin-right:14.4pt">Notes payable – Community Development Equity Funds </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.5pt;margin-right:-1.45pt;text-align:right">1,279</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:14.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">1,267</p> </td></tr> <tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-45pt;margin-left:54pt;margin-right:14.4pt">Other interest-bearing liabilities</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:8.65pt;text-align:right"> </p> </td><td style="width:13.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:4.3pt;text-align:right"> </p> </td><td style="width:14.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">30,890</p> </td></tr> <tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-45pt;margin-left:54pt;margin-right:14.4pt">Overnight borrowings from the Federal Home Loan Bank</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:8.65pt;text-align:right"> </p> </td><td style="width:13.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:4.3pt;text-align:right"> </p> </td><td style="width:14.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">196,000</p> </td></tr> <tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-45pt;margin-left:54pt;margin-right:14.4pt">Securities sold under reverse repurchase agreements</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:8.65pt;text-align:right"> </p> </td><td style="width:13.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">191,624</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:4.3pt;text-align:right"> </p> </td><td style="width:14.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">84,167</p> </td></tr> <tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:8.65pt;text-align:right"> </p> </td><td style="width:13.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:4.3pt;text-align:right"> </p> </td><td style="width:14.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.5pt;margin-right:-1.45pt;text-align:right">192,903</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:14.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">312,324</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The Bank enters into sales of securities under agreements to repurchase (reverse repurchase agreements).  Reverse repurchase agreements are treated as financings, and the obligations to repurchase securities sold are reflected as a liability in the statements of financial condition.  The dollar amount of securities underlying the agreements remains in the asset accounts.  Securities underlying the agreements are being held by the Bank during the agreement period.  All agreements are written on a term of one month or less.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">At December 31, 2019, other interest-bearing liabilities consisted of cash collateral held by the Company to satisfy minimum collateral posting thresholds with its derivative dealer counterparties representing the termination value of derivatives, which at such time were in a net asset position.  Under the collateral agreements between the parties, either party may choose to provide cash or securities to satisfy its collateral requirements. Effective March 2, 2020, the Company and its swap counterparty mutually agreed to terminate the Company’s interest rate swap eliminating the cash collateral held.  For additional information, see “Cash Flow Hedges” in <i>Note 16</i>.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The following table represents the Company’s securities sold under reverse repurchase agreements, by collateral type and remaining contractual maturity.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse"><tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:70.15pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30, 2020</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">December 31, 2019</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:70.15pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Overnight and</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Overnight and</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:70.15pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Continuous</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Continuous</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td colspan="5" style="width:161.85pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:70.15pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Mortgage-backed securities – GNMA, FNMA, FHLMC</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">$</p> </td><td style="width:70.15pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">191,624</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.75pt;text-align:right">84,167</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:70.15pt;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <table style="margin:0 auto;border-collapse:collapse;width:86.68%"><tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30,</p> <p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2020</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">December 31, </p> <p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">2019</p> </td></tr> <tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="4" style="width:30.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:14.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-18pt;margin-left:27pt;margin-right:14.4pt">Notes payable – Community Development Equity Funds </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.5pt;margin-right:-1.45pt;text-align:right">1,279</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:14.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">1,267</p> </td></tr> <tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-45pt;margin-left:54pt;margin-right:14.4pt">Other interest-bearing liabilities</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:8.65pt;text-align:right"> </p> </td><td style="width:13.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:4.3pt;text-align:right"> </p> </td><td style="width:14.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">30,890</p> </td></tr> <tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-45pt;margin-left:54pt;margin-right:14.4pt">Overnight borrowings from the Federal Home Loan Bank</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:8.65pt;text-align:right"> </p> </td><td style="width:13.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:4.3pt;text-align:right"> </p> </td><td style="width:14.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">196,000</p> </td></tr> <tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-45pt;margin-left:54pt;margin-right:14.4pt">Securities sold under reverse repurchase agreements</p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:8.65pt;text-align:right"> </p> </td><td style="width:13.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">191,624</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:4.3pt;text-align:right"> </p> </td><td style="width:14.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">84,167</p> </td></tr> <tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:8.65pt;text-align:right"> </p> </td><td style="width:13.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:4.3pt;text-align:right"> </p> </td><td style="width:14.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:66.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:3.5pt;margin-right:-1.45pt;text-align:right">192,903</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:14.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">312,324</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 1279000 1267000 0 30890000 0 196000000 191624000 84167000 192903000 312324000 <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse"><tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:70.15pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30, 2020</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">December 31, 2019</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:70.15pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Overnight and</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Overnight and</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:70.15pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Continuous</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">Continuous</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td colspan="5" style="width:161.85pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:70.15pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Mortgage-backed securities – GNMA, FNMA, FHLMC</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">$</p> </td><td style="width:70.15pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.45pt;text-align:right">191,624</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.75pt;text-align:right">84,167</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:70.15pt;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 191624000 84167000 <p style="font:10pt Times New Roman;margin:0">NOTE 13: SUBORDINATED NOTES</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">On August 8, 2016, the Company completed the public offering and sale of $75.0 million of its subordinated notes. The notes are due August 15, 2026, and have a fixed interest rate of 5.25% until August 15, 2021, at which time the rate becomes floating at a rate equal to three-month LIBOR plus 4.087%.  The Company may call the notes at par beginning on August 15, 2021, and on any scheduled interest payment date thereafter.  The notes were sold at par, resulting in net proceeds, after underwriting discounts and commissions, legal, accounting and other professional fees, of approximately $73.5 million.  Total debt issuance costs of approximately $1.5 million were deferred and are being amortized over the expected life of the notes, which is five years.  </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">On June 10, 2020, the Company completed the public offering and sale of $75.0 million of its subordinated notes.  The notes are due June 15, 2030, and have a fixed interest rate of 5.50% until June 15, 2025, at which time the rate becomes floating at a rate expected to be equal to three-month term Secured Overnight Financing Rate (SOFR) plus 5.325%.  The Company may call the notes at par beginning on June 15, 2025, and on any scheduled interest payment date thereafter.  The notes were sold at par, resulting in net proceeds, after underwriting discounts and commissions, legal, accounting and other professional fees, of approximately $73.5 million.  Total debt issuance costs of approximately $1.5 million were deferred and are being amortized over the expected life of the notes, which is five years.  </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Amortization of the debt issuance costs during the three and six months ended June 30, 2020, totaled $134,000 and $242,000, respectively. Amortization of the debt issuance costs during the three and six months ended June 30, 2019, totaled $108,000 and $217,000, respectively. Amortization of the debt issuance costs is included in interest expense on subordinated notes in the consolidated statements of income, resulting in an imputed interest rate of 5.99%.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">At June 30, 2020 and December 31, 2019, subordinated notes are summarized as follows:</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse"><tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:64.55pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30, 2020</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">December 31, 2019</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="4" style="width:164.75pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:64.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Subordinated notes</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:64.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">150,000</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.15pt;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.15pt;text-align:right">75,000</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Less: unamortized debt issuance costs</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:64.55pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">1,968</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">724</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:64.55pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">148,032</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.15pt;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.15pt;text-align:right">74,276</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> The notes are due August 15, 2026, and have a fixed interest rate of 5.25% until August 15, 2021, at which time the rate becomes floating at a rate equal to three-month LIBOR plus 4.087%. 73500000 1500000 The notes are due June 15, 2030, and have a fixed interest rate of 5.50% until June 15, 2025, at which time the rate becomes floating at a rate expected to be equal to three-month term Secured Overnight Financing Rate (SOFR) plus 5.325%. 73500000 1500000 134000 242000 108000 217000 0.0599 <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse"><tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:64.55pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">June 30, 2020</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">December 31, 2019</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="4" style="width:164.75pt;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:64.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Subordinated notes</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:64.55pt;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">150,000</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.15pt;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.15pt;text-align:right">75,000</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Less: unamortized debt issuance costs</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:64.55pt;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">1,968</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">724</p> </td></tr> <tr style="height:10.35pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:64.55pt;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-0.7pt;text-align:right">148,032</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.15pt;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:8.15pt;text-align:right">74,276</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 150000000 75000000 1968000 724000 148032000 74276000 <p style="font:10pt Times New Roman;margin:0;color:#339966"><span style="color:#000000">NOTE 14: INCOME TAXES</span></p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Reconciliations of the Company’s effective tax rates to the statutory corporate tax rates were as follows:</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:62.18%"><tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td colspan="4" style="width:42.68%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Three Months Ended June 30,</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"/><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000" valign="bottom"/><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000" valign="bottom"/><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td></tr> <tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Tax at statutory rate</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> 21.0%</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">21.0%</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Nontaxable interest and dividends</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(0.5)</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(0.5)</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Tax credits</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(4.3)</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(4.2)</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">State taxes</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1.5 </p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1.2 </p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Other</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1.6 </p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(0.7)</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"/><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">19.3%</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">16.8%</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:62.18%"><tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td colspan="4" style="width:42.66%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Six Months Ended June 30,</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"/><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000" valign="bottom"/><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000" valign="bottom"/><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td></tr> <tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Tax at statutory rate</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> 21.0%</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">21.0%</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Nontaxable interest and dividends</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(0.5)</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(0.5)</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Tax credits</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(3.9)</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(4.4)</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">State taxes</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(0.2)</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1.3 </p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Other</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1.0 </p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">0.3 </p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"/><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">17.4%</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">17.7%</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The Company and its consolidated subsidiaries have not been audited recently by the Internal Revenue Service (IRS), except as described here.  The Company, through one of its subsidiaries, is a partner in two partnerships which were under IRS examination for 2006 and 2007.  As a result, the Company’s 2006 and subsequent tax years remained open for examination. The examinations of these partnerships were completed during 2019.  The completion of these examinations did not result in significant changes to the Company’s tax positions.  As a result, federal tax years through December 31, 2015 are now closed.</p> <p style="font:10pt Times New Roman;margin:0;margin-left:9pt"> </p> <p style="font:10pt Times New Roman;margin:0">The Company is currently under State of Missouri income and franchise tax examinations for its 2014 and 2015 tax years.  The Company does not currently expect significant adjustments to its financial statements from this state examination.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:62.18%"><tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td colspan="4" style="width:42.68%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Three Months Ended June 30,</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"/><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000" valign="bottom"/><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000" valign="bottom"/><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td></tr> <tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Tax at statutory rate</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> 21.0%</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">21.0%</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Nontaxable interest and dividends</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(0.5)</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(0.5)</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Tax credits</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(4.3)</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(4.2)</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">State taxes</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1.5 </p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1.2 </p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Other</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1.6 </p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(0.7)</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.72%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"/><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">19.3%</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">16.8%</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:62.18%"><tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td colspan="4" style="width:42.66%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">Six Months Ended June 30,</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt"> </p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"/><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000" valign="bottom"/><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000" valign="bottom"/><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td></tr> <tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Tax at statutory rate</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> 21.0%</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">21.0%</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Nontaxable interest and dividends</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(0.5)</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(0.5)</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Tax credits</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(3.9)</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(4.4)</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">State taxes</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(0.2)</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1.3 </p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-54pt;margin-left:54pt;margin-right:14.4pt">Other</p> </td><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1.0 </p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">0.3 </p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> <tr style="height:10.45pt"><td style="width:53.74%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"/><td style="width:18.96%;padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">17.4%</p> </td><td style="width:4.62%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">17.7%</p> </td><td style="width:3.6%;padding-left:0.7pt;padding-right:0.7pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0"> </p> 0.210 0.210 -0.005 -0.005 -0.043 -0.042 0.015 0.012 0.016 -0.007 0.193 0.168 0.210 0.210 -0.005 -0.005 -0.039 -0.044 -0.002 0.013 0.010 0.003 0.174 0.177 <p style="font:10pt Times New Roman;margin:0">The Company and its consolidated subsidiaries have not been audited recently by the Internal Revenue Service (IRS), except as described here.  The Company, through one of its subsidiaries, is a partner in two partnerships which were under IRS examination for 2006 and 2007.  As a result, the Company’s 2006 and subsequent tax years remained open for examination. The examinations of these partnerships were completed during 2019.  The completion of these examinations did not result in significant changes to the Company’s tax positions.  As a result, federal tax years through December 31, 2015 are now closed.</p> <p style="font:10pt Times New Roman;margin:0;margin-left:9pt"> </p> <p style="font:10pt Times New Roman;margin:0">The Company is currently under State of Missouri income and franchise tax examinations for its 2014 and 2015 tax years.  The Company does not currently expect significant adjustments to its financial statements from this state examination.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000">NOTE 15: DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">ASC Topic 820, Fair Value Measurements, defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.  Topic 820 also specifies a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.  The standard describes three levels of inputs that may be used to measure fair value:</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;margin-left:36pt"><kbd style="position:absolute;font:10pt Symbol;margin-left:-18pt">·</kbd>Quoted prices in active markets for identical assets or liabilities (Level 1): Inputs that are quoted unadjusted prices in active markets for identical assets that the Company has the ability to access at the measurement date. An active market for the asset is a market in which transactions for the asset or liability occur with sufficient frequency and volume to provide pricing information on an ongoing basis. </p> <p style="font:10pt Times New Roman;margin:0">  </p> <p style="font:10pt Times New Roman;margin:0;margin-left:36pt"><kbd style="position:absolute;font:10pt Symbol;margin-left:-18pt">·</kbd>Other observable inputs (Level 2): Inputs that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from sources independent of the reporting entity including quoted prices for similar assets, quoted prices for securities in inactive markets and inputs derived principally from or corroborated by observable market data by correlation or other means. </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;margin-left:36pt"><kbd style="position:absolute;font:10pt Symbol;margin-left:-18pt">·</kbd>Significant unobservable inputs (Level 3): Inputs that reflect assumptions of a source independent of the reporting entity or the reporting entity's own assumptions that are supported by little or no market activity or observable inputs. </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Financial instruments are broken down by recurring or nonrecurring measurement status. Recurring assets are initially measured at fair value and are required to be remeasured at fair value in the financial statements at each reporting date. Assets measured on a nonrecurring basis are assets that, due to an event or circumstance, were required to be remeasured at fair value after initial recognition in the financial statements at some time during the reporting period.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">The Company considers transfers between the levels of the hierarchy to be recognized at the end of related reporting periods.  From December 31, 2019 to June 30, 2020, no assets for which fair value is measured on a recurring basis transferred between any levels of the hierarchy.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Recurring Measurements</i></b></p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The following table presents the fair value measurements of assets recognized in the accompanying statements of financial condition measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fell at June 30, 2020 and December 31, 2019:  </p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:101.76%"><tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="7" style="width:40.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair value measurements using</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Quoted prices</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">in active</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">markets</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Other</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Significant</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">for identical</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">observable</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">unobservable</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.2%;padding-left:2.9pt;padding-right:2.9pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">assets</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">inputs</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">inputs</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair value</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(Level 1)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(Level 2)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(Level 3)</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:54.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">June 30, 2020</span></p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt">Agency mortgage-backed securities </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">174,022 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">174,022 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt">Agency collateralized mortgage obligations </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.75pt;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">179,833 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">179,833 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt">States and political subdivisions</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.75pt;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">71,203 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">71,203 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt">Small Business Administration securities</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.75pt;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">21,877 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">21,877 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt;color:#000000">Interest rate derivative asset</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">6,580 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">6,580 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt;color:#000000">Interest rate derivative liability</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(7,221)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(7,221)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">December 31, 2019</span></p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt">Agency mortgage-backed securities</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">165,042 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">165,042 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt">Agency collateralized mortgage obligations</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">151,950 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">151,950 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt">States and political subdivisions</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">35,125 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">35,125 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt">Small Business Administration</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">22,058 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">22,058 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt;color:#000000">Interest rate derivative asset</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">31,476 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">31,476 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt;color:#000000">Interest rate derivative liability</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(1,547)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(1,547)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The following is a description of inputs and valuation methodologies used for assets recorded at fair value on a recurring basis and recognized in the accompanying statements of financial condition at June 30, 2020 and December 31, 2019, as well as the general classification of such assets pursuant to the valuation hierarchy.  There have been no significant changes in the valuation techniques during the six-month period ended June 30, 2020. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below.  </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Available-for-Sale Securities.</i></b> Investment securities available for sale are recorded at fair value on a recurring basis. The fair values used by the Company are obtained from an independent pricing service, which represent either quoted market prices for the identical asset or fair values determined by pricing models, or other model-based valuation techniques, that consider observable market data, such as interest rate volatilities, LIBOR yield curve, credit spreads and prices from market makers and live trading systems.  Recurring Level 2 securities include U.S. government agency securities, mortgage-backed securities, state and municipal bonds and certain other investments. Inputs used for valuing Level 2 securities include observable data that may include dealer quotes, benchmark yields, market spreads, live trading levels and market consensus prepayment speeds, among other things. Additional inputs include indicative values derived from the independent pricing service’s proprietary computerized models.  There were no recurring Level 3 securities at June 30, 2020 or December 31, 2019.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Interest Rate Derivatives.</i></b> The fair value is estimated using forward-looking interest rate curves and is determined using observable market rates and, therefore, are classified within Level 2 of the valuation hierarchy.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"><b><i>Nonrecurring Measurements</i></b></p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The following tables present the fair value measurements of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at June 30, 2020 and December 31, 2019:</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:97.12%"><tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="7" style="width:44.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair Value Measurements Using</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Quoted prices</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">in active</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">markets</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Other</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Significant</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">for identical</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">observable</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">unobservable</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:2.9pt;padding-right:2.9pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">assets</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">inputs</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">inputs</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair value</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(Level 1)</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(Level 2)</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(Level 3)</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:60.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">June 30, 2020</span></p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:12.6pt"><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:9pt;color:#000000">Impaired loans</p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,710</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,710</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:9pt;color:#000000">Foreclosed assets held for sale</p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">97</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">97</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">December 31, 2019</span></p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:9pt;color:#000000">Impaired loans</p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">635</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">635</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:5.85pt"><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:9pt;color:#000000">Foreclosed assets held for sale</p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,112</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,112</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">The following is a description of valuation methodologies used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying statements of financial condition, as well as the general classification of such assets pursuant to the valuation hierarchy.  For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below.  </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:9pt Times New Roman;margin:0"><b><i>Loans Held for Sale.</i></b>  Mortgage loans held for sale are recorded at the lower of carrying value or fair value.  The fair value of mortgage loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics.  As such, the Company classifies mortgage loans held for sale as Nonrecurring Level 2.  Write-downs to fair value typically do not occur as the Company generally enters into commitments to sell individual mortgage loans at the time the loan is originated to reduce market risk.  The Company typically does not have commercial loans held for sale.  At June 30, 2020 and December 31, 2019, the aggregate fair value of mortgage loans held for sale exceeded their cost.  Accordingly, no mortgage loans held for sale were marked down and reported at fair value.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Impaired Loans.  </i></b>A loan is considered to be impaired when it is probable that all of the principal and interest due may not be collected according to its contractual terms. Generally, when a loan is considered impaired, the amount of reserve required under FASB ASC 310, <i>Receivables</i>, is measured based on the fair value of the underlying collateral. The Company makes such measurements on all material loans deemed impaired using the fair value of the collateral for collateral dependent loans. The fair value of collateral used by the Company is determined by obtaining an observable market price or by obtaining an appraised value from an independent, licensed or certified appraiser, using observable market data. This data includes information such as selling price of similar properties and capitalization rates of similar properties sold within the market, expected future cash flows or earnings of the subject property based on current market expectations, and other relevant factors. All appraised values are adjusted for market-related trends based on the Company’s experience in sales and other appraisals of similar property types as well as estimated selling costs.  Each quarter, management reviews all collateral dependent impaired loans on a loan-by-loan basis to determine whether updated appraisals are necessary based on loan performance, collateral type and guarantor support.  At times, the Company measures the fair value of collateral dependent impaired loans using appraisals with dates more than one year prior to the date of review.  These appraisals are discounted by applying current, observable market data about similar property types such as sales contracts, estimations of value by individuals familiar with the market, other appraisals, sales or collateral assessments based on current market activity until updated appraisals are obtained.  Depending on the length of time since an appraisal was performed and the data provided through our reviews, these appraisals are typically discounted 10-40%.  The policy described above is the same for all types of collateral dependent impaired loans.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0">The Company records impaired loans as Nonrecurring Level 3. If a loan’s fair value as estimated by the Company is less than its carrying value, the Company either records a charge-off of the portion of the loan that exceeds the fair value or establishes a reserve within the allowance for loan losses specific to the loan.  Loans for which such charge-offs or reserves were recorded during the six months ended June 30, 2020 or the year ended December 31, 2019, are shown in the table above (net of reserves). </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"><b><i>Foreclosed Assets Held for Sale.  </i></b>Foreclosed assets held for sale are initially recorded at fair value less estimated cost to sell at the date of foreclosure.  Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell.  Foreclosed assets held for sale are classified within Level 3 of the fair value hierarchy.  The foreclosed assets represented in the table above have been re-measured during the six months ended June 30, 2020 or the year ended December 31, 2019, subsequent to their initial transfer to foreclosed assets.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"><b><i>Fair Value of Financial Instruments</i></b></p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying statements of financial condition at amounts other than fair value.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Cash and Cash Equivalents and Federal Home Loan Bank Stock.</i></b> The carrying amount approximates fair value.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Loans and Interest Receivable.  </i></b>The fair value of loans is estimated on an exit price basis incorporating contractual cash flows, prepayments, discount spreads, credit losses and liquidity premiums.  Loans with similar characteristics were aggregated for purposes of the calculations.  The carrying amount of accrued interest receivable approximates its fair value.      </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Deposits and Accrued Interest Payable.  </i></b>The fair value of demand deposits and savings accounts is the amount payable on demand at the reporting date, i.e., their carrying amounts.  The fair value of fixed maturity certificates of deposit is estimated through a discounted cash flow calculation using the average advances yield curve from 11 districts of the FHLB for the as of date.  The carrying amount of accrued interest payable approximates its fair value.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Short-Term Borrowings.  </i></b>The carrying amount approximates fair value.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Subordinated Debentures Issued to Capital Trusts.  </i></b>The subordinated debentures have floating rates that reset quarterly.  The carrying amount of these debentures approximates their fair value.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Subordinated Notes.  </i></b>The fair values used by the Company are obtained from independent sources and are derived from quoted market prices of the Company’s subordinated notes and quoted market prices of other subordinated debt instruments with similar characteristics.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Commitments to Originate Loans, Letters of Credit and Lines of Credit.  </i></b>The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties.  For fixed rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates.  The fair value of letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The following table presents estimated fair values of the Company’s financial instruments not recorded at fair value on the statements of financial condition.  The fair values of certain of these instruments were calculated by discounting expected cash flows, which method involves significant judgments by management and uncertainties.  Fair value is the estimated amount at which financial assets or liabilities could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale.  Because no market exists for certain of these financial instruments and because management does not intend to sell these financial instruments, the Company does not know whether the fair values shown below represent values at which the respective financial instruments could be sold individually or in the aggregate.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="6" style="width:30.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2020</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="6" style="width:29.36%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">December 31, 2019</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Carrying</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.85pt;margin-left:-6.9pt;margin-right:-4.75pt;text-align:center">Hierarchy</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Carrying</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-5.2pt;margin-right:-5.6pt;text-align:center">Hierarchy</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Amount</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.85pt;margin-left:-6.9pt;margin-right:-4.75pt;text-align:center">Level</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Amount</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-5.2pt;margin-right:-5.6pt;text-align:center">Level</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.1pt;margin-left:8.1pt;margin-right:14.4pt"> </p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="14" style="width:62.26%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:-23.7pt;text-align:center"/> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.1pt;margin-left:8.1pt;margin-right:14.4pt">Financial assets</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:-23.7pt;text-align:justify"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:-23.7pt;text-align:justify"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:-1.1pt">Cash and cash equivalents</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.8pt;text-align:right">$</p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.8pt;text-align:right">473,645</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-2.9pt;text-align:right">$</p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">473,645</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">1</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-3.65pt;margin-left:-8.15pt;text-align:right">220,155</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-6.15pt;text-align:right">$</p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-6.15pt;text-align:right">220,155</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">1</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt">Mortgage loans held for sale</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">20,188</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">20,188</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">2</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,242</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,242</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">2</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:-0.9pt">Loans, net of allowance for loan losses</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,399,645</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">4,392,396</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,153,982</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,129,984</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:-0.9pt">Interest receivable</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,759</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">14,759</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">13,530</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">13,530</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9.35pt;margin-left:17.45pt;margin-right:14.4pt">Investment in FHLBank stock and<br/>other interest-earning assets</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">11,276</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:-1.5pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">11,276</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">13,473</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">13,473</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.1pt;margin-left:8.1pt;margin-right:14.4pt"> </p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.1pt;margin-left:8.1pt;margin-right:14.4pt">Financial liabilities</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:14.4pt">Deposits</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.7pt;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.7pt;text-align:right">4,512,158</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">4,524,749</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,960,106</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,963,875</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:14.4pt">Short-term borrowings</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">192,903</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">192,903</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">312,324</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">312,324</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:14.4pt">Subordinated debentures</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">25,774</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">25,774</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">25,774</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">25,774</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:14.4pt">Subordinated notes</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">148,032</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.05pt;margin-right:-2.9pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">149,625</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">2</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">74,276</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">76,875</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">2</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:14.4pt">Interest payable</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,464</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.05pt;margin-right:-23.7pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">3,464</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,250</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,250</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.1pt;margin-left:8.1pt;margin-right:14.4pt"> </p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.05pt;margin-right:-23.7pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.05pt;margin-right:-23.7pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.1pt;margin-left:8.1pt;margin-right:14.4pt">Unrecognized financial instruments<br/>  (net of contractual value)</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.05pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.05pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:1.65pt">Commitments to originate loans</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.05pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-45.9pt;margin-left:54pt;margin-right:-3.6pt">Letters of credit</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">48</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">48</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">109</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">109</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-45.9pt;margin-left:54pt;margin-right:-3.6pt">Lines of credit</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">ASC Topic 820, Fair Value Measurements, defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.  Topic 820 also specifies a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.  The standard describes three levels of inputs that may be used to measure fair value:</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;margin-left:36pt"><kbd style="position:absolute;font:10pt Symbol;margin-left:-18pt">·</kbd>Quoted prices in active markets for identical assets or liabilities (Level 1): Inputs that are quoted unadjusted prices in active markets for identical assets that the Company has the ability to access at the measurement date. An active market for the asset is a market in which transactions for the asset or liability occur with sufficient frequency and volume to provide pricing information on an ongoing basis. </p> <p style="font:10pt Times New Roman;margin:0">  </p> <p style="font:10pt Times New Roman;margin:0;margin-left:36pt"><kbd style="position:absolute;font:10pt Symbol;margin-left:-18pt">·</kbd>Other observable inputs (Level 2): Inputs that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from sources independent of the reporting entity including quoted prices for similar assets, quoted prices for securities in inactive markets and inputs derived principally from or corroborated by observable market data by correlation or other means. </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;margin-left:36pt"><kbd style="position:absolute;font:10pt Symbol;margin-left:-18pt">·</kbd>Significant unobservable inputs (Level 3): Inputs that reflect assumptions of a source independent of the reporting entity or the reporting entity's own assumptions that are supported by little or no market activity or observable inputs. </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">Financial instruments are broken down by recurring or nonrecurring measurement status. Recurring assets are initially measured at fair value and are required to be remeasured at fair value in the financial statements at each reporting date. Assets measured on a nonrecurring basis are assets that, due to an event or circumstance, were required to be remeasured at fair value after initial recognition in the financial statements at some time during the reporting period.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">The Company considers transfers between the levels of the hierarchy to be recognized at the end of related reporting periods.  From December 31, 2019 to June 30, 2020, no assets for which fair value is measured on a recurring basis transferred between any levels of the hierarchy.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:101.76%"><tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="7" style="width:40.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair value measurements using</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Quoted prices</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">in active</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">markets</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Other</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Significant</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">for identical</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">observable</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">unobservable</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.2%;padding-left:2.9pt;padding-right:2.9pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">assets</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">inputs</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">inputs</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair value</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(Level 1)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(Level 2)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(Level 3)</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:54.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">June 30, 2020</span></p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt">Agency mortgage-backed securities </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">174,022 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">174,022 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt">Agency collateralized mortgage obligations </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.75pt;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">179,833 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">179,833 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt">States and political subdivisions</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.75pt;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">71,203 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">71,203 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt">Small Business Administration securities</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:0.75pt;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">21,877 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">21,877 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt;color:#000000">Interest rate derivative asset</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">6,580 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">6,580 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-1.45pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt;color:#000000">Interest rate derivative liability</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(7,221)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(7,221)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">December 31, 2019</span></p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt">Agency mortgage-backed securities</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">165,042 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">165,042 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt">Agency collateralized mortgage obligations</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">151,950 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">151,950 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt">States and political subdivisions</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">35,125 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">35,125 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt">Small Business Administration</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">22,058 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:1.5pt;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">22,058 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt;color:#000000">Interest rate derivative asset</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">31,476 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">31,476 </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> <tr style="height:10.35pt"><td style="width:43.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.5pt;margin-left:18pt;margin-right:-2.7pt;color:#000000">Interest rate derivative liability</p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(1,547)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">(1,547)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 174022000 0 174022000 0 179833000 0 179833000 0 71203000 0 71203000 0 21877000 0 21877000 0 6580000 0 6580000 0 -7221000 0 -7221000 0 165042000 0 165042000 0 151950000 0 151950000 0 35125000 0 35125000 0 22058000 0 22058000 0 31476000 0 31476000 0 -1547000 0 -1547000 0 <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:97.12%"><tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="7" style="width:44.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair Value Measurements Using</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Quoted prices</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">in active</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">markets</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Other</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Significant</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">for identical</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">observable</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">unobservable</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:2.9pt;padding-right:2.9pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">assets</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">inputs</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">inputs</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair value</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(Level 1)</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(Level 2)</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(Level 3)</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:40.5pt;margin-right:-2.7pt"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="10" style="width:60.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">June 30, 2020</span></p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:12.6pt"><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:9pt;color:#000000">Impaired loans</p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,710</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">2,710</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:9pt;color:#000000">Foreclosed assets held for sale</p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">97</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">97</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">December 31, 2019</span></p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:9pt;color:#000000">Impaired loans</p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">635</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">635</p> </td></tr> <tr><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"> </p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:5.85pt"><td style="width:36.92%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:9pt;color:#000000">Foreclosed assets held for sale</p> </td><td style="width:2.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,112</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:13.02%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,112</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> 2710000 0 0 2710000 97000 0 0 97000 635000 0 0 635000 1112000 0 0 1112000 <p style="font:9pt Times New Roman;margin:0"><b><i>Loans Held for Sale.</i></b>  Mortgage loans held for sale are recorded at the lower of carrying value or fair value.  The fair value of mortgage loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics.  As such, the Company classifies mortgage loans held for sale as Nonrecurring Level 2.  Write-downs to fair value typically do not occur as the Company generally enters into commitments to sell individual mortgage loans at the time the loan is originated to reduce market risk.  The Company typically does not have commercial loans held for sale.  At June 30, 2020 and December 31, 2019, the aggregate fair value of mortgage loans held for sale exceeded their cost.  Accordingly, no mortgage loans held for sale were marked down and reported at fair value.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Impaired Loans.  </i></b>A loan is considered to be impaired when it is probable that all of the principal and interest due may not be collected according to its contractual terms. Generally, when a loan is considered impaired, the amount of reserve required under FASB ASC 310, <i>Receivables</i>, is measured based on the fair value of the underlying collateral. The Company makes such measurements on all material loans deemed impaired using the fair value of the collateral for collateral dependent loans. The fair value of collateral used by the Company is determined by obtaining an observable market price or by obtaining an appraised value from an independent, licensed or certified appraiser, using observable market data. This data includes information such as selling price of similar properties and capitalization rates of similar properties sold within the market, expected future cash flows or earnings of the subject property based on current market expectations, and other relevant factors. All appraised values are adjusted for market-related trends based on the Company’s experience in sales and other appraisals of similar property types as well as estimated selling costs.  Each quarter, management reviews all collateral dependent impaired loans on a loan-by-loan basis to determine whether updated appraisals are necessary based on loan performance, collateral type and guarantor support.  At times, the Company measures the fair value of collateral dependent impaired loans using appraisals with dates more than one year prior to the date of review.  These appraisals are discounted by applying current, observable market data about similar property types such as sales contracts, estimations of value by individuals familiar with the market, other appraisals, sales or collateral assessments based on current market activity until updated appraisals are obtained.  Depending on the length of time since an appraisal was performed and the data provided through our reviews, these appraisals are typically discounted 10-40%.  The policy described above is the same for all types of collateral dependent impaired loans.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"> </p> <p style="font:10pt Times New Roman;margin:0">The Company records impaired loans as Nonrecurring Level 3. If a loan’s fair value as estimated by the Company is less than its carrying value, the Company either records a charge-off of the portion of the loan that exceeds the fair value or establishes a reserve within the allowance for loan losses specific to the loan.  Loans for which such charge-offs or reserves were recorded during the six months ended June 30, 2020 or the year ended December 31, 2019, are shown in the table above (net of reserves). </p> <p style="font:10pt Times New Roman;margin:0"><b><i>Foreclosed Assets Held for Sale.  </i></b>Foreclosed assets held for sale are initially recorded at fair value less estimated cost to sell at the date of foreclosure.  Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell.  Foreclosed assets held for sale are classified within Level 3 of the fair value hierarchy.  The foreclosed assets represented in the table above have been re-measured during the six months ended June 30, 2020 or the year ended December 31, 2019, subsequent to their initial transfer to foreclosed assets.</p> <p style="font:10pt Times New Roman;margin:0"><b><i>Fair Value of Financial Instruments</i></b></p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0;color:#000000">The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying statements of financial condition at amounts other than fair value.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Cash and Cash Equivalents and Federal Home Loan Bank Stock.</i></b> The carrying amount approximates fair value.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Loans and Interest Receivable.  </i></b>The fair value of loans is estimated on an exit price basis incorporating contractual cash flows, prepayments, discount spreads, credit losses and liquidity premiums.  Loans with similar characteristics were aggregated for purposes of the calculations.  The carrying amount of accrued interest receivable approximates its fair value.      </p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Deposits and Accrued Interest Payable.  </i></b>The fair value of demand deposits and savings accounts is the amount payable on demand at the reporting date, i.e., their carrying amounts.  The fair value of fixed maturity certificates of deposit is estimated through a discounted cash flow calculation using the average advances yield curve from 11 districts of the FHLB for the as of date.  The carrying amount of accrued interest payable approximates its fair value.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Short-Term Borrowings.  </i></b>The carrying amount approximates fair value.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Subordinated Debentures Issued to Capital Trusts.  </i></b>The subordinated debentures have floating rates that reset quarterly.  The carrying amount of these debentures approximates their fair value.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Subordinated Notes.  </i></b>The fair values used by the Company are obtained from independent sources and are derived from quoted market prices of the Company’s subordinated notes and quoted market prices of other subordinated debt instruments with similar characteristics.</p> <p style="font:10pt Times New Roman;margin:0;color:#000000"><b><i>Commitments to Originate Loans, Letters of Credit and Lines of Credit.  </i></b>The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties.  For fixed rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates.  The fair value of letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="6" style="width:30.44%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">June 30, 2020</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="6" style="width:29.36%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">December 31, 2019</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Carrying</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.85pt;margin-left:-6.9pt;margin-right:-4.75pt;text-align:center">Hierarchy</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Carrying</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-5.2pt;margin-right:-5.6pt;text-align:center">Hierarchy</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Amount</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.85pt;margin-left:-6.9pt;margin-right:-4.75pt;text-align:center">Level</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Amount</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Value</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-5.2pt;margin-right:-5.6pt;text-align:center">Level</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.1pt;margin-left:8.1pt;margin-right:14.4pt"> </p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="14" style="width:62.26%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:-23.7pt;text-align:center"/> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.1pt;margin-left:8.1pt;margin-right:14.4pt">Financial assets</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:-23.7pt;text-align:justify"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:-23.7pt;text-align:justify"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:justify"> </p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:-1.1pt">Cash and cash equivalents</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.8pt;text-align:right">$</p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.8pt;text-align:right">473,645</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-2.9pt;text-align:right">$</p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">473,645</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">1</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-3.65pt;margin-left:-8.15pt;text-align:right">220,155</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-6.15pt;text-align:right">$</p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-6.15pt;text-align:right">220,155</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">1</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt">Mortgage loans held for sale</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">20,188</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">20,188</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">2</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,242</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">9,242</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">2</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:-0.9pt">Loans, net of allowance for loan losses</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,399,645</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">4,392,396</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,153,982</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,129,984</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:-0.9pt">Interest receivable</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">14,759</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">14,759</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">13,530</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">13,530</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9.35pt;margin-left:17.45pt;margin-right:14.4pt">Investment in FHLBank stock and<br/>other interest-earning assets</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">11,276</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:-1.5pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">11,276</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">13,473</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">13,473</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.1pt;margin-left:8.1pt;margin-right:14.4pt"> </p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.1pt;margin-left:8.1pt;margin-right:14.4pt">Financial liabilities</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:14.4pt">Deposits</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.7pt;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-1.7pt;text-align:right">4,512,158</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">4,524,749</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,960,106</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,963,875</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:14.4pt">Short-term borrowings</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">192,903</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">192,903</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">312,324</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">312,324</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:14.4pt">Subordinated debentures</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">25,774</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:0.9pt;margin-right:2.2pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">25,774</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">25,774</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">25,774</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:14.4pt">Subordinated notes</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">148,032</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.05pt;margin-right:-2.9pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">149,625</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">2</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">74,276</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">76,875</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">2</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:14.4pt">Interest payable</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">3,464</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.05pt;margin-right:-23.7pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">3,464</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,250</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">4,250</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.1pt;margin-left:8.1pt;margin-right:14.4pt"> </p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.05pt;margin-right:-23.7pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.05pt;margin-right:-23.7pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-8.1pt;margin-left:8.1pt;margin-right:14.4pt">Unrecognized financial instruments<br/>  (net of contractual value)</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.05pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.05pt;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-9pt;margin-left:17.1pt;margin-right:1.65pt">Commitments to originate loans</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.05pt;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-45.9pt;margin-left:54pt;margin-right:-3.6pt">Letters of credit</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">48</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">48</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">109</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">109</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> <tr><td style="width:35.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-45.9pt;margin-left:54pt;margin-right:-3.6pt">Lines of credit</p> </td><td style="width:2.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.9pt;margin-right:0.7pt;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center"> </p> </td><td style="width:8.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-6.3pt;text-align:center">3</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 473645000 473645000 1 220155000 220155000 1 20188000 20188000 2 9242000 9242000 2 4399645000 4392396000 3 4153982000 4129984000 3 14759000 14759000 3 13530000 13530000 3 11276000 11276000 3 13473000 13473000 3 4512158000 4524749000 3 3960106000 3963875000 3 192903000 192903000 3 312324000 312324000 3 25774000 25774000 3 25774000 25774000 3 148032000 149625000 2 74276000 76875000 2 3464000 3464000 3 4250000 4250000 3 0 0 3 0 0 3 48000 48000 3 109000 109000 3 0 0 3 0 0 3 <p style="font:10pt Times New Roman;margin:0">NOTE 16:  DERIVATIVES AND HEDGING ACTIVITIES</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"><b><i>Risk Management Objective of Using Derivatives</i></b></p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The Company is exposed to certain risks arising from both its business operations and economic conditions.  The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities.  The Company manages economic risks, including interest rate, liquidity and credit risk, primarily by managing the amount, sources and duration of its assets and liabilities.  In the normal course of business, the Company may use derivative financial instruments (primarily interest rate swaps) from time to time to assist in its interest rate risk management.  The Company has interest rate derivatives that result from a service provided to certain qualifying loan customers that are not used to manage interest rate risk in the Company’s assets or liabilities and are not designated in a qualifying hedging relationship.  The Company manages a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions.  In addition, the Company has interest rate derivatives that are designated in a qualified hedging relationship.  </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"><b><i>Nondesignated Hedges</i></b></p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The Company has interest rate swaps that are not designated as qualifying hedging relationships.  Derivatives not designated as hedges are not speculative and result from a service the Company provides to certain loan customers, which the Company began offering during 2011.  The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies.  Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such </p> <p style="font:10pt Times New Roman;margin:0">transactions.  As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings.  </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">As part of the Valley Bank FDIC-assisted acquisition, the Company acquired seven loans with related interest rate swaps.  Valley’s swap program differed from the Company’s in that Valley did not have back to back swaps with the customer and a counterparty.  Five of the seven acquired loans with interest rate swaps have paid off.  The aggregate notional amount of the two remaining Valley swaps was $633,000 at June 30, 2020.  At June 30, 2020, excluding the Valley Bank swaps, the Company had 20 interest rate swaps totaling $148.6 million in notional amount with commercial customers, and 20 interest rate swaps with the same aggregate notional amount with third parties related to its program.  In addition, the Company has four participation loans purchased totaling $27.9 million, in which the lead institution has an interest rate swap with its customer and the economics of the counterparty swap are passed along to the Company through the loan participation.  At December 31, 2019, excluding the Valley Bank swaps, the Company had 19 interest rate swaps totaling $96.0 million in notional amount with commercial customers, and 19 interest rate swaps with the same notional amount with third parties related to its program.  During the three months ended June 30, 2020 and 2019, the Company recognized net losses of $106,000 and $44,000, respectively, in noninterest income related to changes in the fair value of these swaps.  During the six months ended June 30, 2020 and 2019, the Company recognized net losses of $514,000 and $68,000, respectively, in noninterest income related to changes in the fair value of these swaps. </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"><b><i>Cash Flow Hedges</i></b></p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"><b><i>Interest Rate Swap</i></b>.  As a strategy to maintain acceptable levels of exposure to the risk of changes in future cash flows due to interest rate fluctuations, in October 2018, the Company entered into an interest rate swap transaction as part of its ongoing interest rate management strategies to hedge the risk of its floating rate loans. The notional amount of the swap was $400 million with a termination date of October 6, 2025. Under the terms of the swap, the Company received a fixed rate of interest of 3.018% and paid a floating rate of interest equal to one-month USD-LIBOR. The floating rate reset monthly and net settlements of interest due to/from the counterparty also occurred monthly. To the extent that the fixed rate of interest exceeded one-month USD-LIBOR, the Company received net interest settlements which were recorded as loan interest income. If USD-LIBOR exceeded the fixed rate of interest in future periods, the Company was required to pay net settlements to the counterparty and recorded those net payments as a reduction of interest income on loans. The Company recorded loan interest income of $2.0 million and $568,000 on this interest rate swap during the three months ended June 30, 2020 and 2019, respectively. The Company recorded loan interest income of $3.6 million and $1.1 million on this interest rate swap during the six months ended June 30, 2020 and 2019, respectively. The effective portion of the gain or loss on the derivative is reported as a component of other comprehensive income and reclassified into earnings in the same period or periods during which the hedged transaction affected earnings. Gains and losses on the derivative representing either hedge ineffectiveness or hedge components excluded from the assessment of effectiveness are recognized in current earnings. During each of the three and six months ended June 30, 2020 and 2019, the Company recognized no noninterest income related to changes in the fair value of this derivative.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">On March 2, 2020, the Company and its swap counterparty mutually agreed to terminate the swap, effective immediately.  The Company received a payment of $45.9 million, including accrued but unpaid interest, from its swap counterparty as a result of this termination.  This $45.9 million, less the accrued interest portion and net of deferred income taxes, is reflected in the Company’s stockholders’ equity as Accumulated Other Comprehensive Income and a portion of it will be accreted to interest income on loans monthly through the original contractual termination date of October 6, 2025.  This will have the effect of reducing Accumulated Other Comprehensive Income and increasing Net Interest Income and Retained Earnings over the period. In each quarterly period, commencing with the quarter ended June 30, 2020, until the original contract termination date, the Company expects to record loan interest income related to this swap transaction of approximately $2.0 million, based on the termination value of the swap.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The following table presents the effect of cash flow hedge accounting on the statements of comprehensive income:  </p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.65pt"><td style="width:53.6%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:4.62%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:41.78%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Amount of Gain (Loss)</p> </td></tr> <tr style="height:10.65pt"><td style="width:53.6%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:4.62%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:41.78%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recognized in AOCI</p> </td></tr> <tr style="height:10.65pt"><td style="width:53.6%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:4.62%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:41.78%;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Three Months Ended June 30,</p> </td></tr> <tr style="height:10.65pt"><td style="width:53.6%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Cash Flow Hedges</p> </td><td style="width:4.62%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:16.3%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:1.84%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:6.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:16.48%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td></tr> <tr style="height:10.65pt"><td style="width:53.6%;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:4.62%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.25pt;margin-left:4.25pt;text-align:center"> </p> </td><td colspan="5" style="width:41.78%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.25pt;margin-left:4.25pt;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.65pt"><td style="width:53.6%" valign="bottom"/><td style="width:4.62%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.3%" valign="bottom"/><td style="width:1.84%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:6.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.48%" valign="bottom"/></tr> <tr style="height:10.65pt"><td style="width:53.6%" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Interest rate swap, net of income taxes</p> </td><td style="width:4.62%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:11.3pt;text-align:right">$</p> </td><td style="width:16.3%;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">(1,564)  </p> </td><td style="width:1.84%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:6.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:11.2pt;text-align:right">$</p> </td><td style="width:16.48%;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:11.2pt;margin-right:0.75pt;text-align:right">8,528</p> </td></tr> <tr style="height:10.65pt"><td style="width:53.6%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"/> </td><td style="width:4.62%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.3%;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.84%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:6.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.48%;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.65pt"><td style="width:55.28%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:4.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:39.92%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Amount of Gain (Loss)</p> </td></tr> <tr style="height:10.65pt"><td style="width:55.28%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:4.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:39.92%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recognized in AOCI</p> </td></tr> <tr style="height:10.65pt"><td style="width:55.28%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:4.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:39.92%;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Six Months Ended June 30,</p> </td></tr> <tr style="height:10.65pt"><td style="width:55.28%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Cash Flow Hedges</p> </td><td style="width:4.8%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:15.42%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:0.42%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:7.02%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:17.06%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td></tr> <tr style="height:10.65pt"><td style="width:55.28%;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:4.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.25pt;margin-left:4.25pt;text-align:center"> </p> </td><td colspan="4" style="width:39.92%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.25pt;margin-left:4.25pt;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.65pt"><td style="width:55.28%" valign="bottom"/><td style="width:4.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.42%" valign="bottom"/><td style="width:0.42%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.02%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:17.06%" valign="bottom"/></tr> <tr style="height:10.65pt"><td style="width:55.28%" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Interest rate swap, net of income taxes</p> </td><td style="width:4.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:11.3pt;text-align:right">$</p> </td><td style="width:15.42%;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">9,852  </p> </td><td style="width:0.42%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:11.2pt;margin-right:9pt;text-align:right"> </p> </td><td style="width:7.02%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:11.2pt;text-align:right">$</p> </td><td style="width:17.06%;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:11.2pt;margin-right:0.75pt;text-align:right">14,328</p> </td></tr> <tr style="height:10.65pt"><td style="width:55.28%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"/> </td><td style="width:4.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.42%;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.42%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:7.02%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:17.06%;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0"> </p> <p style="font:11pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The following table presents the effect of cash flow hedge accounting on the statements of income:  </p> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:466.55pt"><tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:250.3pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Three Months Ended June 30,</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Cash Flow Hedges</p> </td><td colspan="2" style="width:124.2pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td colspan="2" style="width:126.1pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:39.6pt;margin-right:14.4pt"> </p> </td><td style="width:63pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td><td style="width:61.2pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td><td style="width:62.95pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td><td style="width:63.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:39.6pt;margin-right:14.4pt"> </p> </td><td style="width:63pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td><td style="width:61.2pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Expense</p> </td><td style="width:62.95pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td><td style="width:63.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Expense</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:25.2pt;margin-right:14.4pt"> </p> </td><td colspan="4" style="width:250.3pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"/><td style="width:63pt" valign="bottom"/><td style="width:61.2pt" valign="bottom"/><td style="width:62.95pt" valign="bottom"/><td style="width:63.15pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:25.2pt;margin-right:14.4pt">Interest rate swap</p> </td><td style="width:63pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;margin-right:7.2pt;text-align:right">$<span style="border-bottom:3px double #000000">         2,025</span></p> </td><td style="width:61.2pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:4.75pt;margin-right:7.2pt;text-align:right">$<span style="border-bottom:3px double #000000">     -</span></p> </td><td style="width:62.95pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:4.65pt;margin-right:7.2pt;text-align:right">$<span style="border-bottom:3px double #000000">          568</span></p> </td><td style="width:63.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:4.6pt;margin-right:7.2pt;text-align:right">$<span style="border-bottom:3px double #000000">      -  </span></p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:25.2pt;margin-right:14.4pt"> </p> </td><td style="width:63pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:61.2pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:62.95pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:63.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:466.55pt"><tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:250.3pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Six Months Ended June 30,</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Cash Flow Hedges</p> </td><td colspan="2" style="width:124.2pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td colspan="2" style="width:126.1pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:39.6pt;margin-right:14.4pt"> </p> </td><td style="width:63pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td><td style="width:61.2pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td><td style="width:62.95pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td><td style="width:63.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:39.6pt;margin-right:14.4pt"> </p> </td><td style="width:63pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td><td style="width:61.2pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Expense</p> </td><td style="width:62.95pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td><td style="width:63.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Expense</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:25.2pt;margin-right:14.4pt"> </p> </td><td colspan="4" style="width:250.3pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"/><td style="width:63pt" valign="bottom"/><td style="width:61.2pt" valign="bottom"/><td style="width:62.95pt" valign="bottom"/><td style="width:63.15pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:25.2pt;margin-right:14.4pt">Interest rate swap</p> </td><td style="width:63pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;margin-right:7.2pt;text-align:right">$<span style="border-bottom:3px double #000000">         3,581</span></p> </td><td style="width:61.2pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:4.75pt;margin-right:7.2pt;text-align:right">$<span style="border-bottom:3px double #000000">     -</span></p> </td><td style="width:62.95pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:4.65pt;margin-right:7.2pt;text-align:right">$<span style="border-bottom:3px double #000000">      1,081</span></p> </td><td style="width:63.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:4.6pt;margin-right:7.2pt;text-align:right">$<span style="border-bottom:3px double #000000">      -  </span></p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:25.2pt;margin-right:14.4pt"> </p> </td><td style="width:63pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:61.2pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:62.95pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:63.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0"><b><i>Agreements with Derivative Counterparties</i></b></p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The Company has agreements with its derivative counterparties. If the Company defaults on any of its indebtedness, including a default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. If the Bank fails to maintain its status as a well-capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements. Similarly, the Company could be required to settle its obligations under certain of its agreements if certain regulatory events occurred, such as the issuance of a formal directive, or if the Company’s credit rating is downgraded below a specified level.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">At June 30, 2020, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $7.3 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At June 30, 2020, the Company’s activity with two of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be given by the Company) and the Company had posted collateral totaling $7.0 million to the derivative counterparties to satisfy the loan level agreements. If the Company had breached any of these provisions at June 30, 2020 or December 31, 2019, it could have been required to settle its obligations under the agreements at the termination value.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">At December 31, 2019, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $1.1 million. In addition, as of December 31, 2019, the termination value of derivatives with our derivative dealer counterparty (related to the balance sheet hedge commenced in October 2018) in a net asset position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $30.1 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At December 31, 2019, the Company’s activity with one of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be received by the Company) and the derivative counterparties had posted collateral of $30.9 million to the Company to satisfy the balance sheet hedge agreement. Additionally, the Company’s activity with one of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be given by the Company) and the Company had posted collateral of $1.1 million to the derivative counterparties to satisfy the loan level agreements. If the Company had breached any of these provisions at December 31, 2019, it could have been required to settle its obligations under the agreements at the termination value.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">The Company is exposed to certain risks arising from both its business operations and economic conditions.  The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities.  The Company manages economic risks, including interest rate, liquidity and credit risk, primarily by managing the amount, sources and duration of its assets and liabilities.  In the normal course of business, the Company may use derivative financial instruments (primarily interest rate swaps) from time to time to assist in its interest rate risk management.  The Company has interest rate derivatives that result from a service provided to certain qualifying loan customers that are not used to manage interest rate risk in the Company’s assets or liabilities and are not designated in a qualifying hedging relationship.  The Company manages a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions.  In addition, the Company has interest rate derivatives that are designated in a qualified hedging relationship.  </p> <p style="font:10pt Times New Roman;margin:0">The Company has interest rate swaps that are not designated as qualifying hedging relationships.  Derivatives not designated as hedges are not speculative and result from a service the Company provides to certain loan customers, which the Company began offering during 2011.  The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies.  Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such </p> <p style="font:10pt Times New Roman;margin:0">transactions.  As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings.  </p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">As part of the Valley Bank FDIC-assisted acquisition, the Company acquired seven loans with related interest rate swaps.  Valley’s swap program differed from the Company’s in that Valley did not have back to back swaps with the customer and a counterparty.  Five of the seven acquired loans with interest rate swaps have paid off.  The aggregate notional amount of the two remaining Valley swaps was $633,000 at June 30, 2020.  At June 30, 2020, excluding the Valley Bank swaps, the Company had 20 interest rate swaps totaling $148.6 million in notional amount with commercial customers, and 20 interest rate swaps with the same aggregate notional amount with third parties related to its program.  In addition, the Company has four participation loans purchased totaling $27.9 million, in which the lead institution has an interest rate swap with its customer and the economics of the counterparty swap are passed along to the Company through the loan participation.  At December 31, 2019, excluding the Valley Bank swaps, the Company had 19 interest rate swaps totaling $96.0 million in notional amount with commercial customers, and 19 interest rate swaps with the same notional amount with third parties related to its program.  During the three months ended June 30, 2020 and 2019, the Company recognized net losses of $106,000 and $44,000, respectively, in noninterest income related to changes in the fair value of these swaps.  During the six months ended June 30, 2020 and 2019, the Company recognized net losses of $514,000 and $68,000, respectively, in noninterest income related to changes in the fair value of these swaps. </p> <p style="font:10pt Times New Roman;margin:0"><b><i>Interest Rate Swap</i></b>.  As a strategy to maintain acceptable levels of exposure to the risk of changes in future cash flows due to interest rate fluctuations, in October 2018, the Company entered into an interest rate swap transaction as part of its ongoing interest rate management strategies to hedge the risk of its floating rate loans. The notional amount of the swap was $400 million with a termination date of October 6, 2025. Under the terms of the swap, the Company received a fixed rate of interest of 3.018% and paid a floating rate of interest equal to one-month USD-LIBOR. The floating rate reset monthly and net settlements of interest due to/from the counterparty also occurred monthly. To the extent that the fixed rate of interest exceeded one-month USD-LIBOR, the Company received net interest settlements which were recorded as loan interest income. If USD-LIBOR exceeded the fixed rate of interest in future periods, the Company was required to pay net settlements to the counterparty and recorded those net payments as a reduction of interest income on loans. The Company recorded loan interest income of $2.0 million and $568,000 on this interest rate swap during the three months ended June 30, 2020 and 2019, respectively. The Company recorded loan interest income of $3.6 million and $1.1 million on this interest rate swap during the six months ended June 30, 2020 and 2019, respectively. The effective portion of the gain or loss on the derivative is reported as a component of other comprehensive income and reclassified into earnings in the same period or periods during which the hedged transaction affected earnings. Gains and losses on the derivative representing either hedge ineffectiveness or hedge components excluded from the assessment of effectiveness are recognized in current earnings. During each of the three and six months ended June 30, 2020 and 2019, the Company recognized no noninterest income related to changes in the fair value of this derivative.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">On March 2, 2020, the Company and its swap counterparty mutually agreed to terminate the swap, effective immediately.  The Company received a payment of $45.9 million, including accrued but unpaid interest, from its swap counterparty as a result of this termination.  This $45.9 million, less the accrued interest portion and net of deferred income taxes, is reflected in the Company’s stockholders’ equity as Accumulated Other Comprehensive Income and a portion of it will be accreted to interest income on loans monthly through the original contractual termination date of October 6, 2025.  This will have the effect of reducing Accumulated Other Comprehensive Income and increasing Net Interest Income and Retained Earnings over the period. In each quarterly period, commencing with the quarter ended June 30, 2020, until the original contract termination date, the Company expects to record loan interest income related to this swap transaction of approximately $2.0 million, based on the termination value of the swap.</p> 2000000.0 568000 3600000 1100000 0 0 45900000 <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Location in</p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Fair Value</p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Consolidated Statements</p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:4.75pt;margin-right:4.15pt;text-align:center"> </p> </td><td style="width:13.26%;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:4.75pt;margin-right:4.15pt;text-align:center">    June 30,    </p> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:6.1pt;margin-right:3.75pt;text-align:center"> </p> </td><td style="width:12.54%;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:6.1pt;margin-right:3.75pt;text-align:center">December 31,</p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">of Financial Condition</p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;color:#000000"><span style="border-bottom:1px solid #000000"><b>Derivatives designated as hedging</b><b> </b><b>instruments</b></span></p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:11pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Interest rate swap</p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Prepaid expenses and other assets</p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right">$</p> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right">-</p> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">30,056</p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"/> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"> </p> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"> </p> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Total derivatives designated as hedging instruments </p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right">$</p> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right">-</p> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">30,056</p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"/> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"/> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"/> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"/> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"/> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"><span style="border-bottom:1px solid #000000"><b>Derivatives not designated as hedging</b><b> </b><b>instruments</b> </span></p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"> </p> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"> </p> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"><b>Asset Derivatives</b></p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"> </p> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"> </p> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Interest rate products</p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Prepaid expenses and other assets</p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right">$</p> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right">6,580</p> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,420</p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"> </p> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"> </p> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"> </p> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"> </p> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Total derivatives not designated as hedging instruments </p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right">$</p> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right">6,580</p> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,420</p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"> </p> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"> </p> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"><b>Liability Derivatives</b></p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"> </p> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"> </p> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Interest rate products</p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Accrued expenses and other liabilities</p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right">$</p> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right">7,221</p> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,547</p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"> </p> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right"> </p> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:10.35pt"><td style="width:40.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Total derivatives not designated as hedging instruments</p> </td><td style="width:29.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right">$</p> </td><td style="width:13.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-0.7pt;text-align:right">7,221</p> </td><td style="width:0.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">$</p> </td><td style="width:12.54%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right">1,547</p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 0 30056000 0 30056000 6580000 1420000 6580000 1420000 7221000 1547000 7221000 1547000 <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.65pt"><td style="width:53.6%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:4.62%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:41.78%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Amount of Gain (Loss)</p> </td></tr> <tr style="height:10.65pt"><td style="width:53.6%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:4.62%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:41.78%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recognized in AOCI</p> </td></tr> <tr style="height:10.65pt"><td style="width:53.6%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:4.62%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:41.78%;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Three Months Ended June 30,</p> </td></tr> <tr style="height:10.65pt"><td style="width:53.6%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Cash Flow Hedges</p> </td><td style="width:4.62%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:16.3%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:1.84%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:6.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:16.48%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td></tr> <tr style="height:10.65pt"><td style="width:53.6%;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:4.62%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.25pt;margin-left:4.25pt;text-align:center"> </p> </td><td colspan="5" style="width:41.78%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.25pt;margin-left:4.25pt;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.65pt"><td style="width:53.6%" valign="bottom"/><td style="width:4.62%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.3%" valign="bottom"/><td style="width:1.84%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:6.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.48%" valign="bottom"/></tr> <tr style="height:10.65pt"><td style="width:53.6%" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Interest rate swap, net of income taxes</p> </td><td style="width:4.62%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:11.3pt;text-align:right">$</p> </td><td style="width:16.3%;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-4.3pt;text-align:right">(1,564)  </p> </td><td style="width:1.84%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:6.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:11.2pt;text-align:right">$</p> </td><td style="width:16.48%;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:11.2pt;margin-right:0.75pt;text-align:right">8,528</p> </td></tr> <tr style="height:10.65pt"><td style="width:53.6%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"/> </td><td style="width:4.62%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.3%;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.84%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:6.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.48%;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:10.65pt"><td style="width:55.28%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:4.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:39.92%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Amount of Gain (Loss)</p> </td></tr> <tr style="height:10.65pt"><td style="width:55.28%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:4.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:39.92%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Recognized in AOCI</p> </td></tr> <tr style="height:10.65pt"><td style="width:55.28%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:4.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:39.92%;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Six Months Ended June 30,</p> </td></tr> <tr style="height:10.65pt"><td style="width:55.28%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Cash Flow Hedges</p> </td><td style="width:4.8%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:15.42%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td style="width:0.42%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:7.02%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:17.06%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td></tr> <tr style="height:10.65pt"><td style="width:55.28%;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:4.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.25pt;margin-left:4.25pt;text-align:center"> </p> </td><td colspan="4" style="width:39.92%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-4.25pt;margin-left:4.25pt;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.65pt"><td style="width:55.28%" valign="bottom"/><td style="width:4.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.42%" valign="bottom"/><td style="width:0.42%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"/> </td><td style="width:7.02%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:17.06%" valign="bottom"/></tr> <tr style="height:10.65pt"><td style="width:55.28%" valign="bottom"><p style="font:9pt Times New Roman;margin:0">Interest rate swap, net of income taxes</p> </td><td style="width:4.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:11.3pt;text-align:right">$</p> </td><td style="width:15.42%;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-right:-2.15pt;text-align:right">9,852  </p> </td><td style="width:0.42%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:11.2pt;margin-right:9pt;text-align:right"> </p> </td><td style="width:7.02%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:11.2pt;text-align:right">$</p> </td><td style="width:17.06%;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:11.2pt;margin-right:0.75pt;text-align:right">14,328</p> </td></tr> <tr style="height:10.65pt"><td style="width:55.28%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"/> </td><td style="width:4.8%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:15.42%;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.42%" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:7.02%" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:17.06%;border-top:3px double #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> </table> <p style="font:11pt Times New Roman;margin:0"> </p> -1564000 8528000 9852000 14328000 <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:466.55pt"><tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:250.3pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Three Months Ended June 30,</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Cash Flow Hedges</p> </td><td colspan="2" style="width:124.2pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td colspan="2" style="width:126.1pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:39.6pt;margin-right:14.4pt"> </p> </td><td style="width:63pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td><td style="width:61.2pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td><td style="width:62.95pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td><td style="width:63.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:39.6pt;margin-right:14.4pt"> </p> </td><td style="width:63pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td><td style="width:61.2pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Expense</p> </td><td style="width:62.95pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td><td style="width:63.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Expense</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:25.2pt;margin-right:14.4pt"> </p> </td><td colspan="4" style="width:250.3pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"/><td style="width:63pt" valign="bottom"/><td style="width:61.2pt" valign="bottom"/><td style="width:62.95pt" valign="bottom"/><td style="width:63.15pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:25.2pt;margin-right:14.4pt">Interest rate swap</p> </td><td style="width:63pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;margin-right:7.2pt;text-align:right">$<span style="border-bottom:3px double #000000">         2,025</span></p> </td><td style="width:61.2pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:4.75pt;margin-right:7.2pt;text-align:right">$<span style="border-bottom:3px double #000000">     -</span></p> </td><td style="width:62.95pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:4.65pt;margin-right:7.2pt;text-align:right">$<span style="border-bottom:3px double #000000">          568</span></p> </td><td style="width:63.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:4.6pt;margin-right:7.2pt;text-align:right">$<span style="border-bottom:3px double #000000">      -  </span></p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:25.2pt;margin-right:14.4pt"> </p> </td><td style="width:63pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:61.2pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:62.95pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:63.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:466.55pt"><tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:250.3pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Six Months Ended June 30,</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Cash Flow Hedges</p> </td><td colspan="2" style="width:124.2pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2020</p> </td><td colspan="2" style="width:126.1pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">2019</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:39.6pt;margin-right:14.4pt"> </p> </td><td style="width:63pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td><td style="width:61.2pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td><td style="width:62.95pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td><td style="width:63.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Interest</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:39.6pt;margin-right:14.4pt"> </p> </td><td style="width:63pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td><td style="width:61.2pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Expense</p> </td><td style="width:62.95pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Income</p> </td><td style="width:63.15pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">Expense</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:25.2pt;margin-right:14.4pt"> </p> </td><td colspan="4" style="width:250.3pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center">(In Thousands)</p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"/><td style="width:63pt" valign="bottom"/><td style="width:61.2pt" valign="bottom"/><td style="width:62.95pt" valign="bottom"/><td style="width:63.15pt" valign="bottom"/></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:25.2pt;margin-right:14.4pt">Interest rate swap</p> </td><td style="width:63pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;margin-left:-2.15pt;margin-right:7.2pt;text-align:right">$<span style="border-bottom:3px double #000000">         3,581</span></p> </td><td style="width:61.2pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:4.75pt;margin-right:7.2pt;text-align:right">$<span style="border-bottom:3px double #000000">     -</span></p> </td><td style="width:62.95pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:4.65pt;margin-right:7.2pt;text-align:right">$<span style="border-bottom:3px double #000000">      1,081</span></p> </td><td style="width:63.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:4.6pt;margin-right:7.2pt;text-align:right">$<span style="border-bottom:3px double #000000">      -  </span></p> </td></tr> <tr style="height:10.35pt"><td style="width:216.25pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:25.2pt;margin-right:14.4pt"> </p> </td><td style="width:63pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:61.2pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:62.95pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td><td style="width:63.15pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0"> </p> </td></tr> </table> <p style="font:10pt Times New Roman;margin:0"> </p> 2025000 0 568000 0 3581000 0 1081000 0 <p style="font:10pt Times New Roman;margin:0">The Company has agreements with its derivative counterparties. If the Company defaults on any of its indebtedness, including a default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. If the Bank fails to maintain its status as a well-capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements. Similarly, the Company could be required to settle its obligations under certain of its agreements if certain regulatory events occurred, such as the issuance of a formal directive, or if the Company’s credit rating is downgraded below a specified level.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">At June 30, 2020, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $7.3 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At June 30, 2020, the Company’s activity with two of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be given by the Company) and the Company had posted collateral totaling $7.0 million to the derivative counterparties to satisfy the loan level agreements. If the Company had breached any of these provisions at June 30, 2020 or December 31, 2019, it could have been required to settle its obligations under the agreements at the termination value.</p> <p style="font:10pt Times New Roman;margin:0"> </p> <p style="font:10pt Times New Roman;margin:0">At December 31, 2019, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $1.1 million. In addition, as of December 31, 2019, the termination value of derivatives with our derivative dealer counterparty (related to the balance sheet hedge commenced in October 2018) in a net asset position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $30.1 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At December 31, 2019, the Company’s activity with one of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be received by the Company) and the derivative counterparties had posted collateral of $30.9 million to the Company to satisfy the balance sheet hedge agreement. Additionally, the Company’s activity with one of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be given by the Company) and the Company had posted collateral of $1.1 million to the derivative counterparties to satisfy the loan level agreements. If the Company had breached any of these provisions at December 31, 2019, it could have been required to settle its obligations under the agreements at the termination value.</p> 7300000 7000000.0 1100000 30100000 30900000 $0.32 per share $0.34 per share $1.39 per share $1.68 per share Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses.  The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the three months ended June 30, 2020, totaling $(46,000), $57,000, $(121,000), $752,000 and $344,000, respectively, and for the three months ended June 30, 2019, totaling $68,000, $186,000, $(336,000), $468,000 and $839,000, respectively.   Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses.  The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the six months ended June 30, 2020, totaling $0, $251,000, $537,000, $938,000 and $1.3 million, respectively, and for the six months ended June 30, 2019, totaling $546,000, $273,000, $247,000, $4.6 million and $2.2 million, respectively.   Operating lease costs classified as occupancy and equipment expense (Includes short-term lease costs and amortization of right of use asset) Cash paid for amounts included in the measurement of lease liabilities Right of use assets obtained in exchange for lease obligations Weighted average rate 1.74% and 2.09% Weighted average rate 0.48% and 0.55% XML 11 R1.htm IDEA: XBRL DOCUMENT v3.20.2
Document and Entity Information - $ / shares
6 Months Ended
Aug. 04, 2020
Jun. 30, 2020
Details    
Registrant CIK   0000854560
Fiscal Year End   --12-31
Registrant Name   GREAT SOUTHERN BANCORP, INC.
SEC Form   10-Q
Period End date   Jun. 30, 2020
Trading Symbol   GSBC
Trading Exchange   NASDAQ
Tax Identification Number (TIN)   43-1524856
Number of common stock shares outstanding 14,086,970  
Filer Category   Accelerated Filer
Current with reporting   Yes
Interactive Data Current   Yes
Shell Company   false
Small Business   false
Emerging Growth Company   false
Document Quarterly Report   true
Document Transition Report   false
Entity File Number   0-18082
Entity Incorporation, State or Country Code   MD
Entity Address, Address Line One   1451 E. Battlefield
Entity Address, City or Town   Springfield
Entity Address, State or Province   MO
Entity Address, Postal Zip Code   65804
City Area Code   417
Local Phone Number   887-4400
Title of 12(b) Security   Common Stock
Entity Listing, Par Value Per Share $ 0.01  
Amendment Flag   false
Document Fiscal Year Focus   2020
Document Fiscal Period Focus   Q2
XML 12 R2.htm IDEA: XBRL DOCUMENT v3.20.2
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
ASSETS    
Cash $ 97,208 $ 99,299
Interest-bearing deposits in other financial institutions 376,437 120,856
Cash and cash equivalents 473,645 220,155
Available-for-sale securities 446,935 374,175
Mortgage loans held for sale 20,188 9,242
Loans receivable, net of allowance for loan losses of $49,801 - June 2020; $40,294 - December 2019 4,399,645 4,153,982
Interest receivable 14,759 13,530
Prepaid expenses and other assets 47,688 74,984
Other real estate owned and repossessions, net 4,435 5,525
Premises and equipment, net 140,558 141,908
Goodwill and other intangible assets 7,521 8,098
Federal Home Loan Bank stock and other interest-earning assets 11,276 13,473
Total Assets 5,566,650 5,015,072
Liabilities:    
Deposits 4,512,158 3,960,106
Securities sold under reverse repurchase agreements with customers 191,624 84,167
Short-term borrowings and other interest-bearing liabilities 1,279 228,157
Subordinated debentures issued to capital trust 25,774 25,774
Subordinated notes 148,032 74,276
Accrued interest payable 3,464 4,250
Advances from borrowers for taxes and insurance 10,729 7,484
Accrued expenses and other liabilities 33,520 24,904
Current and deferred income taxes 13,342 2,888
Total Liabilities 4,939,922 4,412,006
Capital stock    
Serial preferred stock -$.01 par value; authorized 1,000,000 shares; issued and outstanding June 2020 and December 2019 - - 0- shares 0 0
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding June 2020 -14,084,420 shares; December 2019 - 14,261,052 shares 141 143
Additional paid-in capital 34,230 33,510
Retained earnings 533,346 537,167
Accumulated other comprehensive income 59,011 32,246
Total Stockholders' Equity 626,728 603,066
Total Liabilities and Stockholders' Equity 5,566,650 5,015,072
Commitments and Contingencies $ 0 $ 0
XML 13 R3.htm IDEA: XBRL DOCUMENT v3.20.2
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) - Parenthetical - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Details    
Loans and Leases Receivable, Allowance $ 49,801 $ 40,294
Preferred Stock, Par or Stated Value Per Share $ 0.01 $ 0.01
Preferred Stock, Shares Authorized 1,000,000 1,000,000
Preferred Stock, Shares Issued 0 0
Preferred Stock, Shares Outstanding 0 0
Common Stock, Par or Stated Value Per Share $ 0.01 $ 0.01
Common Stock, Shares Authorized 20,000,000 20,000,000
Common Stock, Shares, Issued 14,084,420 14,261,052
Common Stock, Shares, Outstanding 14,084,420 14,261,052
XML 14 R4.htm IDEA: XBRL DOCUMENT v3.20.2
CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
INTEREST INCOME        
Loans $ 50,848 $ 55,771 $ 104,978 $ 110,327
Investment securities and other 3,163 2,952 6,507 5,754
TOTAL INTEREST INCOME 54,011 58,723 111,485 116,081
INTEREST EXPENSE        
Deposits 9,041 11,582 19,618 22,052
Short-term borrowings and repurchase agreements 10 859 659 1,780
Subordinated debentures issued to capital trust 167 267 383 534
Subordinated notes 1,338 1,094 2,432 2,189
TOTAL INTEREST EXPENSE 10,556 13,802 23,092 26,555
NET INTEREST INCOME 43,455 44,921 88,393 89,526
PROVISION FOR LOAN LOSSES 6,000 1,600 9,871 3,550
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 37,455 43,321 78,522 85,976
NON-INTEREST INCOME        
Commissions 176 163 442 497
Net gains on loan sales 1,841 376 2,430 623
Net realized gains on sales of available-for-sale securities 78 0 78 10
Late charges and fees on loans 468 356 824 702
Loss on derivative interest rate products (106) (44) (514) (68)
Service charges and ATM fees 4,140 5,309 8,898 10,268
Other income 1,664 997 3,469 2,575
TOTAL NON-INTEREST INCOME 8,261 7,157 15,627 14,607
NON-INTEREST EXPENSE        
Salaries and employee benefits 16,830 15,428 34,999 31,068
Net occupancy and equipment expense 6,707 6,449 13,473 12,850
Postage 777 784 1,546 1,550
Insurance 534 662 916 1,328
Advertising 437 842 1,057 1,368
Office supplies and printing 301 226 535 485
Telephone 1,005 839 1,917 1,742
Legal, audit and other professional fees 664 630 1,262 1,342
Expense on other real estate and repossessions 268 419 747 1,039
Partnership tax credit investment amortization 0 91 0 182
Acquired deposit intangible asset amortization 289 289 577 613
Other operating expenses 1,537 1,724 3,134 3,310
TOTAL NON-INTEREST EXPENSE 29,349 28,383 60,163 56,877
INCOME BEFORE INCOME TAXES 16,367 22,095 33,986 43,706
PROVISION FOR INCOME TAXES 3,164 3,720 5,915 7,718
NET INCOME AND NET INCOME AVAILABLE TO COMMON STOCKHOLDERS $ 13,203 $ 18,375 $ 28,071 $ 35,988
Basic Earnings Per Common Share $ 0.94 $ 1.29 $ 1.98 $ 2.54
Diluted Earnings Per Common Share 0.93 1.28 1.98 2.52
Dividends Declared Per Common Share $ 0.34 $ 0.32 $ 1.68 $ 1.39
XML 15 R5.htm IDEA: XBRL DOCUMENT v3.20.2
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Details        
Net Income $ 13,203 $ 18,375 $ 28,071 $ 35,988
Unrealized appreciation on available for sale securities, net 5,424 5,213 16,973 8,190
Reclassification adjustment for gains included in net income, net of taxes of $18 and $0, for 2020 and 2019, respectively (60) 0 (60) (8)
Change in fair value of cash flow hedge, net 0 8,528 11,914 14,328
Amortization of Realized Gain on Termination of Cash Flow Hedge, Net (1,564) 0 (2,062) 0
Comprehensive Income 17,003 32,116 54,836 58,498
Reclassification adjustment for gains included in net income, net of taxes of $18 and $2, for 2020 and 2019, respectively $ (60) $ 0 $ (60) $ (8)
XML 16 R6.htm IDEA: XBRL DOCUMENT v3.20.2
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - Parenthetical - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Details        
Tax Effect of Unrealized Appreciation (Depreciation) on Available for Sale Securities Taxes (Credit) $ 1,602 $ 1,540 $ 5,013 $ 2,419
Tax Effect Reclassification Adjustment for Gains Included in Net Income Taxes (Credit) Taxes 18 0 18 2
Tax Effect of Change in Fair Value of Cash Flow Hedge Taxes 0 2,519 3,519 4,231
Tax Effect (Credit) on Amortization of Realized Gain on Termination of Cash Flow Hedge $ (461) $ 0 $ (608) $ 0
XML 17 R7.htm IDEA: XBRL DOCUMENT v3.20.2
CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Unaudited) - USD ($)
$ in Thousands
Stockholders' Equity, Total
Common Stock
Additional Paid-in Capital
Retained Earnings
Other Comprehensive Income (Loss)
Treasury Stock
Equity Balance at Dec. 31, 2018 $ 531,977 $ 142 $ 30,121 $ 492,087 $ 9,627 $ 0
Net Income 35,988 0 0 35,988 0 0
Stock issued under Stock Option Plan 2,374 0 1,482 0 0 892
Common dividends declared [1] (19,691) 0 0 (19,691) 0 0
Other comprehensive gain 22,510 0 0 0 22,510 0
Reclassification of Treasury Stock per Maryland Law 0 0 0 43 0 (43)
Equity Balance at Jun. 30, 2019 572,309 142 31,603 508,427 32,137 0
Equity Balance at Mar. 31, 2019 543,635 142 30,916 494,181 18,396 0
Net Income 18,375 0 0 18,375 0 0
Stock issued under Stock Option Plan 1,102 0 687 0 0 415
Common dividends declared [2] (4,544) 0 0 (4,544) 0 0
Other comprehensive gain 13,741 0 0 0 13,741 0
Reclassification of Treasury Stock per Maryland Law 0 0 0 415 0 (415)
Equity Balance at Jun. 30, 2019 572,309 142 31,603 508,427 32,137 0
common stock (849) 0 0 0 0 (849)
Equity Balance at Dec. 31, 2019 603,066 143 33,510 537,167 32,246 0
Net Income 28,071 0 0 28,071 0 0
Stock issued under Stock Option Plan 817 0 720 0 0 97
Common dividends declared [3] (23,843) 0 0 (23,843) 0 0
Other comprehensive gain 26,765 0 0 0 26,765 0
Reclassification of Treasury Stock per Maryland Law 0 (2) 0 (8,049) 0 8,051
Equity Balance at Jun. 30, 2020 626,728 141 34,230 533,346 59,011 0
Purchase of the Company's common stock (8,148) 0 0 0 0 (8,148)
Equity Balance at Mar. 31, 2020 614,232 141 33,958 524,922 55,211 0
Net Income 13,203 0 0 13,203 0 0
Stock issued under Stock Option Plan 282 0 272 0 0 10
Common dividends declared [4] (4,789) 0 0 (4,789) 0 0
Other comprehensive gain 3,800 0 0 0 3,800 0
Reclassification of Treasury Stock per Maryland Law 0 0 0 10 0 (10)
Equity Balance at Jun. 30, 2020 $ 626,728 $ 141 $ 34,230 $ 533,346 $ 59,011 $ 0
[1] $1.39 per share
[2] $0.32 per share
[3] $1.68 per share
[4] $0.34 per share
XML 18 R8.htm IDEA: XBRL DOCUMENT v3.20.2
CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)
$ in Thousands
6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 28,071 $ 35,988
Proceeds from sales of loans held for sale 121,921 34,375
Originations of loans held for sale (128,939) (43,145)
Items not requiring (providing) cash:    
Depreciation 4,982 4,631
Amortization 847 1,059
Compensation expense for stock option grants 558 443
Provision for loan losses 9,871 3,550
Net gains on loan sales (2,430) (623)
Net realized gains on sales of available-for-sale securities (78) (10)
Net (gains) losses on sale of premises and equipment (24) 21
Net losses on sale/write-down of other real estate owned and repossessions 111 161
Accretion of deferred income, premiums, discounts and other (2,548) (1,990)
Loss on derivative interest rate products 514 68
Deferred income taxes (29,501) 578
Changes in    
Interest receivable (1,604) (903)
Prepaid expenses and other assets 17,023 (2,031)
Accrued expenses and other liabilities 1,878 4,443
Income taxes refundable/payable 14,755 2,555
Net cash provided by operating activities 35,407 39,170
CASH FLOWS FROM INVESTING ACTIVITIES    
Net change in loans (251,662) (83,072)
Purchase of loans (3,625) (45,240)
Purchase of premises and equipment (3,669) (6,708)
Proceeds from sale of premises and equipment 372 113
Proceeds from sale of other real estate owned and repossessions 2,011 4,537
Capitalized costs on other real estate owned (126) 0
Proceeds from termination of interest rate derivative 45,864 0
Proceeds from sales of available-for-sale securities 19,236 28,057
Proceeds from maturities and calls of available-for-sale securities 13,850 7,870
Principal reductions on mortgage-backed securities 11,172 7,402
Purchase of available-for-sale securities (95,145) (94,558)
Redemption of Federal Home Loan Bank stock and change in other interest-earning assets 2,197 1,345
Net cash used in investing activities (259,525) (180,254)
CASH FLOWS FROM FINANCING ACTIVITIES    
Net increase (decrease) in certificates of deposit (13,958) 139,518
Net increase in checking and savings deposits 566,021 24,040
Increase (Decrease) in Short-Term Borrowings, Net (119,421) (30,710)
Advances from borrowers for taxes and insurance 3,245 5,458
Proceeds from issuance of subordinated notes 73,513 0
Dividends paid (23,903) (19,674)
Purchase of the Company's common stock (8,148) (849)
Stock options exercised 259 1,931
Net cash provided by financing activities 477,608 119,714
INCREASES (DECREASES) IN CASH AND CASH EQUIVALENTS 253,490 (21,370)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD 220,155 202,742
CASH AND CASH EQUIVALENTS, END OF PERIOD $ 473,645 $ 181,372
XML 19 R9.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 1: BASIS OF PRESENTATION
6 Months Ended
Jun. 30, 2020
Notes  
NOTE 1: BASIS OF PRESENTATION

NOTE 1: BASIS OF PRESENTATION

 

The accompanying unaudited interim consolidated financial statements of Great Southern Bancorp, Inc. (the "Company" or "Great Southern") have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. The financial statements presented herein reflect all adjustments which are, in the opinion of management, necessary to fairly present the financial condition, results of operations, changes in stockholders’ equity and cash flows of the Company as of the dates and for the periods presented. Those adjustments consist only of normal recurring adjustments. Operating results for the three and six months ended June 30, 2020 are not necessarily indicative of the results that may be expected for the full year. The consolidated statement of financial condition of the Company as of December 31, 2019, has been derived from the audited consolidated statement of financial condition of the Company as of that date.  Certain prior period amounts have been reclassified to conform to the current period presentation.  These reclassifications had no effect on net income.

 

Certain information and note disclosures normally included in the Company's annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted. These condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended December 31, 2019 filed with the Securities and Exchange Commission.

 

XML 20 R10.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 2: NATURE OF OPERATIONS AND OPERATING SEGMENTS
6 Months Ended
Jun. 30, 2020
Notes  
NOTE 2: NATURE OF OPERATIONS AND OPERATING SEGMENTS

NOTE 2: NATURE OF OPERATIONS AND OPERATING SEGMENTS

 

The Company operates as a one-bank holding company.  The Company’s business primarily consists of the operations of Great Southern Bank (the “Bank”), which provides a full range of financial services to customers primarily located in Missouri, Iowa, Kansas, Minnesota, Nebraska and Arkansas.  The Bank also originates commercial loans from lending offices in Atlanta, Ga., Chicago, Ill., Dallas, Texas, Denver, Colo., Omaha, Neb. and Tulsa, Okla.  The Company and the Bank are subject to regulation by certain federal and state agencies and undergo periodic examinations by those regulatory agencies.

 

The Company’s banking operation is its only reportable segment.  The banking operation is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans by attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others.  The operating results of this segment are regularly reviewed by management to make decisions about resource allocations and to assess performance.  Selected information is not presented separately for the Company’s reportable segment, as there is no material difference between that information and the corresponding information in the consolidated financial statements.

 

XML 21 R11.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 3: RECENT ACCOUNTING PRONOUNCEMENTS
6 Months Ended
Jun. 30, 2020
Notes  
NOTE 3: RECENT ACCOUNTING PRONOUNCEMENTS

NOTE 3: RECENT ACCOUNTING PRONOUNCEMENTS

 

In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326).  The Update amends guidance on reporting credit losses for assets held at amortized cost basis and available for sale debt securities. For assets held at amortized cost basis, Topic 326 eliminates the probable initial recognition threshold in current GAAP and, instead, requires an entity to reflect its current estimate of all expected credit losses. This Update affects entities holding financial assets and net investment in leases that are not accounted for at fair value through net income. The amendments affect loans, debt securities, trade receivables, net investments in leases, off balance sheet credit exposures, reinsurance receivables, and any other financial assets not excluded from the scope that have the contractual right to receive cash.  The Update was set to be effective for the Company on January 1, 2020.  During March 2020, pursuant to the recently-enacted Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) and guidance from the Securities and Exchange Commission (the “SEC”) and the Financial

 

Accounting Standards Board (the “FASB”), we elected to delay adoption of the new accounting standard related to accounting for credit losses (“CECL”).  Our second quarter and year-to-date financial statements are prepared under the existing incurred loss methodology standard for accounting for loan losses.

 

The adoption of the CECL model will require us to recognize a one-time cumulative adjustment to our allowance for loan losses and a liability for potential losses related to the unfunded portion of our loans and commitments in order to fully transition from the incurred loss model to the CECL model. Upon initial adoption, we expect to increase the balance of our allowance for credit losses in a range of $11 million to $14 million and create a liability for potential losses related to the unfunded portion of our loans and commitments in a range of $7 million to $10 million.  The after-tax effect of this is expected to result in a decrease in our retained earnings of $14 million to $18 million.  Further, we have analyzed the impact on our financial statements at and for the six months ended June 30, 2020 as if we had adopted the CECL accounting standard on January 1, 2020. In addition to the impact from the initial adoption above, under CECL we would expect to further increase the balance of our allowance for credit losses in a range of $3 million to $7 million through a corresponding increase in provision for credit losses during the six months ended June 30, 2020.  This is in addition to the $9.9 million of provision expense already recorded under the incurred loss method during the six months ended June 30, 2020. The liability for potential losses related to the unfunded portion of our loans and commitments would be expected to have no material change during the six months ended June 30, 2020. These estimates are subject to change as material assumptions are refined and model validations are completed.

 

In January 2017, the FASB issued ASU No. 2017-04, Intangibles: Goodwill and Other: Simplifying the Test for Goodwill Impairment (Topic 350). To simplify the subsequent measurement of goodwill, the amendments eliminate Step 2 from the goodwill impairment test. The annual, or interim, goodwill impairment test should be performed by comparing the fair value of a reporting unit with its carrying amount and an impairment charge should be recognized for the amount by which the carrying amount exceeds the reporting unit’s fair value.  An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the qualitative impairment test is necessary.  The nature of and reason for the change in accounting principle should be disclosed upon transition. The amendments in this update are required for annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. The impact of adopting this new guidance during the quarter ended March 31, 2020 did not have a material impact on the Company’s consolidated financial statements. At June 30, 2020, the Company evaluated the current circumstances brought about by the COVID-19 pandemic and its effect on the valuation of the Company and other bank holding companies and determined that no triggering event had occurred requiring an evaluation of goodwill or other intangible asset impairment.

 

In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820) - Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. ASU 2018-13 modifies the disclosure requirements on fair value measurements in Topic 820. The amendments in this update remove disclosures that no longer are considered cost beneficial, modify/clarify the specific requirements of certain disclosures, and add disclosure requirements identified as relevant. ASU 2018-13 is effective for periods beginning after December 15, 2019.  The impact of adopting this new guidance during the quarter ended March 31, 2020 did not have a material impact on the Company’s consolidated financial statements.

XML 22 R12.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 4: EARNINGS PER SHARE
6 Months Ended
Jun. 30, 2020
Notes  
NOTE 4: EARNINGS PER SHARE

NOTE 4: EARNINGS PER SHARE

 

 

Three Months Ended June 30,

 

2020

 

2019

 

(In Thousands, Except Per Share Data)

 

 

 

Basic:

 

 

 

 

 

Average common shares outstanding

 

14,084

 

 

14,192

Net income and net income available to common stockholders

$

13,203

 

$

18,375

Per common share amount

$

0.94

 

$

1.29

 

 

 

 

 

 

Diluted:

 

 

 

 

 

Average common shares outstanding

 

14,084

 

 

14,192

Net effect of dilutive stock options – based on the treasury

 

 

 

 

 

stock method using average market price

 

40

 

 

122

Diluted common shares

 

14,124

 

 

14,314

Net income and net income available to common stockholders

$

13,203

 

$

18,375

Per common share amount

$

0.93

 

$

1.28

 

 

Six Months Ended June 30,

 

2020

 

2019

 

(In Thousands, Except Per Share Data)

 

 

 

Basic:

 

 

 

 

 

Average common shares outstanding

 

14,153

 

 

14,176

Net income and net income available to common stockholders

$

28,071

 

$

35,988

Per common share amount

$

1.98

 

$

2.54

 

 

 

 

 

 

Diluted:

 

 

 

 

 

Average common shares outstanding

 

14,153

 

 

14,176

Net effect of dilutive stock options – based on the treasury

 

 

 

 

 

stock method using average market price

 

56

 

 

122

Diluted common shares

 

14,209

 

 

14,298

Net income and net income available to common stockholders

$

28,071

 

$

35,988

Per common share amount

$

1.98

 

$

2.52

 

 

Options outstanding at June 30, 2020 and 2019, to purchase 653,794 and 309,000 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the three month periods because the exercise prices of such options were greater than the average market prices of the common stock for the three months ended June 30, 2020 and 2019, respectively.  Options outstanding at June 30, 2020 and 2019, to purchase 565,401 and 309,000 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the six month periods because the exercise prices of such options were greater than the average market prices of the common stock for the six months ended June 30, 2020 and 2019, respectively.  

 

XML 23 R13.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 5: INVESTMENT SECURITIES
6 Months Ended
Jun. 30, 2020
Notes  
NOTE 5: INVESTMENT SECURITIES

NOTE 5: INVESTMENT SECURITIES

 

The amortized cost and fair values of securities classified as available-for-sale were as follows:

 

 

 

June 30, 2020

 

 

 

 

 

Gross

 

 

Gross

 

 

 

 

 

Amortized

 

 

Unrealized

 

 

Unrealized

 

 

Fair

 

 

Cost

 

 

Gains

 

 

Losses

 

 

Value

 

 

(In Thousands)

 

 

 

 

 

 

 

AVAILABLE-FOR-SALE SECURITIES:

 

 

 

 

 

 

 

 

 

 

 

Agency mortgage-backed securities

$

153,376

 

$

20,646

 

$

 

$

174,022

Agency collateralized mortgage obligations

 

169,607

 

 

10,226

 

 

 

 

179,833

States and political subdivisions

 

69,203

 

 

2,002

 

 

 

 

71,203

Small Business Administration securities

 

21,126

 

 

751

 

 

 

 

21,877

$

413,312

 

$

33,625

 

$

 

$

446,935

 

 

 

December 31, 2019

 

 

 

 

 

Gross

 

 

Gross

 

 

 

 

 

Amortized

 

 

Unrealized

 

 

Unrealized

 

 

Fair

 

 

Cost

 

 

Gains

 

 

Losses

 

 

Value

 

 

(In Thousands)

 

 

 

 

 

 

 

AVAILABLE-FOR-SALE SECURITIES:

 

 

 

 

 

 

 

 

 

 

 

Agency mortgage-backed securities

$

156,591

 

$

8,716

 

$

265

 

$

165,042

Agency collateralized mortgage obligations

 

149,980

 

 

2,891

 

 

921

 

 

151,950

States and political subdivisions

 

33,757

 

 

1,368

 

 

-

 

 

35,125

Small Business Administration securities

 

22,132

 

 

-   

 

 

74

 

 

22,058

$

362,460

 

$

12,975

 

$

1,260

 

$

374,175

 

 

 

 

 

 

 

 

 

 

 

 

 

 

The amortized cost and fair value of available-for-sale securities at June 30, 2020, by contractual maturity, are shown below.  Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.

 

 

 

Amortized

 

 

Fair

 

 

Cost

 

 

Value

 

 

(In Thousands)

 

 

 

 

 

 

One year or less

$

-

 

$

-

After one through five years

 

-

 

 

-

After five through ten years

 

12,572

 

 

13,172

After ten years

 

56,631

 

 

58,031

Securities not due on a single maturity date

 

344,109

 

 

375,732

 

 

 

 

 

 

 

$

413,312

 

$

446,935

 

 

There were no securities classified as held to maturity at June 30, 2020 or December 31, 2019.

 

Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at June 30, 2020 and December 31, 2019, was approximately $504,000 and $116.2 million, respectively, which is approximately 0.1% and 31.1% of the Company’s available-for-sale investment portfolio, respectively.

 

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

 

The following table shows the Company’s gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at June 30, 2020 and December 31, 2019:

 

 

 

June 30, 2020

 

 

Less than 12 Months

 

 

12 Months or More

 

 

Total

 

 

Fair

 

 

Unrealized

 

 

Fair

 

 

Unrealized

 

 

Fair

 

 

Unrealized

Description of Securities

 

Value

 

 

Losses

 

 

Value

 

 

Losses

 

 

Value

 

 

Losses

 

 

(In Thousands)

 

 

 

 

 

 

States and political subdivisions

$

504

 

$

(2)

 

$

-

 

$

-

 

$

504

 

$

(2)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

504

 

$

(2)

 

$

-

 

$

-

 

$

504

 

$

(2)

 

 

 

December 31, 2019

 

 

Less than 12 Months

 

 

12 Months or More

 

 

Total

 

 

Fair

 

 

Unrealized

 

 

Fair

 

 

Unrealized

 

 

Fair

 

 

Unrealized

Description of Securities

 

Value

 

 

Losses

 

 

Value

 

 

Losses

 

 

Value

 

 

Losses

 

 

(In Thousands)

 

 

 

 

 

Agency mortgage-backed securities

$

-

 

$

-

 

$

24,762

 

$

(265)

 

$

24,762

 

$

(265)

Agency collateralized mortgage obligations

 

69,372

 

 

(921)

 

 

-

 

 

-

 

 

69,372

 

 

(921)

Small Business Administration securities

 

22,058

 

 

(74)

 

 

-

 

 

-

 

 

22,058

 

 

(74)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

91,430

 

$

(995)

 

$

24,762

 

$

(265)

 

$

116,192

 

$

(1,260)

 

 

Gross gains of $78,000 resulting from sales of available-for-sale securities were realized during the three and six months ended June 30, 2020. No gains or losses from sales of available-for-sale securities were realized during the three months ended June 30, 2019. Gross gains of $226,000 and gross losses of $216,000 resulting from sales of available-for-sale securities were realized during the six months ended June 30, 2019.  Gains and losses on sales of securities are determined on the specific-identification method.

 

Other-than-temporary Impairment.  Upon acquisition of a security, the Company decides whether it is within the scope of the accounting guidance for beneficial interests in securitized financial assets or will be evaluated for impairment under the accounting guidance for investments in debt and equity securities.

 

The accounting guidance for beneficial interests in securitized financial assets provides incremental impairment guidance for a subset of the debt securities within the scope of the guidance for investments in debt and equity securities.  For securities where the security is a beneficial interest in securitized financial assets, the Company uses the beneficial interests in securitized financial asset impairment model.  For securities where the security is not a beneficial interest in securitized financial assets, the Company uses the debt and equity securities impairment model.  The Company does not currently have securities within the scope of this guidance for beneficial interests in securitized financial assets.

 

The Company periodically evaluates each investment security in an unrealized loss position to determine whether an other-than-temporary impairment has occurred.  The Company considers the length of time a security has been in an unrealized loss position, the relative amount of the unrealized loss compared to the carrying value of the security, the type of security and other factors.  If certain criteria are met, the Company performs additional review and evaluation using observable market values or various inputs in economic models to determine if an unrealized loss is other-than-temporary.  The Company uses quoted market prices for marketable equity securities and uses broker

pricing quotes based on observable inputs for equity investments that are not traded on a stock exchange.  For non-agency collateralized mortgage obligations, to determine if the unrealized loss is other than temporary, the Company projects total estimated defaults of the underlying assets (mortgages) and multiplies that calculated amount by an estimate of realizable value upon sale in the marketplace (severity) in order to determine the projected collateral loss.  The Company also evaluates any current credit enhancement underlying these securities to determine the impact on cash flows.  If the Company determines that a given security position will be subject to a write-down or loss, the Company records the expected credit loss as a charge to earnings.

 

During the three and six months ended June 30, 2020, no securities were determined to have impairment that had become other-than-temporary.  

 

Credit Losses Recognized on Investments.  During the three and six months ended June 30, 2020 and 2019, respectively, there were no debt securities that had experienced fair value deterioration due to credit losses, as well as due to other market factors, but are not otherwise other-than-temporarily impaired.

XML 24 R14.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES
6 Months Ended
Jun. 30, 2020
Notes  
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES

 

Classes of loans at June 30, 2020 and December 31, 2019 were as follows:

 

 

 

June 30,

 

 

December 31,

 

 

 

2020

 

 

2019

 

 

 

(In Thousands)

 

 

One- to four-family residential construction

$

34,376 

 

$

33,963 

 

Subdivision construction

 

13,637 

 

 

16,088 

 

Land development

 

38,646 

 

 

40,431 

 

Commercial construction

 

1,211,294 

 

 

1,322,861 

 

Owner occupied one- to four-family residential

 

463,493 

 

 

387,016 

 

Non-owner occupied one- to four-family residential

 

118,897 

 

 

120,343 

 

Commercial real estate

 

1,532,274 

 

 

1,494,172 

 

Other residential

 

1,024,591 

 

 

866,006 

 

Commercial business

 

441,310 

 

 

313,209 

 

Industrial revenue bonds

 

14,222 

 

 

13,189 

 

Consumer auto

 

113,927 

 

 

151,854 

 

Consumer other

 

42,882 

 

 

46,720 

 

Home equity lines of credit

 

116,293 

 

 

118,988 

 

Loans acquired and accounted for under ASC 310-30, net of discounts

 

110,664 

 

 

127,206 

 

 

5,276,506 

 

 

5,052,046 

 

Undisbursed portion of loans in process

 

(816,783)

 

 

(850,666)

 

Allowance for loan losses

 

(49,801)

 

 

(40,294)

 

Deferred loan fees and gains, net

 

(10,277)

 

 

(7,104)

 

$

4,399,645 

 

$

4,153,982 

 

 

 

 

 

 

 

 

Weighted average interest rate

 

4.34%

 

 

4.97%

 

 

 

 

 

June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

> 90 Days

 

 

30-59 Days

 

 

60-89 Days

 

 

90+ Days

 

 

Total

 

 

 

 

 

Loans

 

 

Past Due and

 

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Current

 

 

Receivable

 

 

Still Accruing

 

 

(In Thousands)

One- to four-family

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

residential construction

$

79

 

$

-

 

$

-

 

$

79

 

$

34,297

 

$

34,376

 

$

-

Subdivision construction

 

-

 

 

-

 

 

-

 

 

-

 

 

13,637

 

 

13,637

 

 

-

Land development

 

-

 

 

24

 

 

-

 

 

24

 

 

38,622

 

 

38,646

 

 

-

Commercial construction

 

-

 

 

-

 

 

-

 

 

-

 

 

1,211,294

 

 

1,211,294

 

 

-

Owner occupied one- to

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

four-family residential

 

227

 

 

175

 

 

2,109

 

 

2,511

 

 

460,982

 

 

463,493

 

 

-

Non-owner occupied one-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

to four-family residential

 

224

 

 

28

 

 

279

 

 

531

 

 

118,366

 

 

118,897

 

 

-

Commercial real estate

 

-

 

 

-

 

 

727

 

 

727

 

 

1,531,547

 

 

1,532,274

 

 

-

Other residential

 

-

 

 

-

 

 

-

 

 

-

 

 

1,024,591

 

 

1,024,591

 

 

-

Commercial business

 

-

 

 

-

 

 

1,182

 

 

1,182

 

 

440,128

 

 

441,310

 

 

-

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

 

-

 

 

14,222

 

 

14,222

 

 

-

Consumer auto

 

305

 

 

40

 

 

361

 

 

706

 

 

113,221

 

 

113,927

 

 

-

Consumer other

 

85

 

 

1

 

 

114

 

 

200

 

 

42,682

 

 

42,882

 

 

-

Home equity lines of credit

 

669

 

 

103

 

 

517

 

 

1,289

 

 

115,004

 

 

116,293

 

 

-

Loans acquired and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

accounted for under

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ASC 310-30, net of

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

discounts

 

267

 

 

189

 

 

5,149

 

 

5,605

 

 

105,059

 

 

110,664

 

 

-

 

1,856

 

 

560

 

 

10,438

 

 

12,854

 

 

5,263,652

 

 

5,276,506

 

 

-

Less loans acquired and
accounted for under  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ASC 310-30, net of

discounts

 

267

 

 

189

 

 

5,149

 

 

5,605

 

 

105,059

 

 

110,664

 

 

-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

1,589

 

$

371

 

$

5,289

 

$

7,249

 

$

5,158,593

 

$

5,165,842

 

$

-

 

 

 

Non-accruing loans (excluding FDIC-assisted acquired loans, net of discount) are summarized as follows:

 

 

 

June 30,

 

 

 

December 31,

 

 

2020

 

 

 

2019

 

 

(In Thousands)

 

One- to four-family residential construction

$

-

 

 

$

-

Subdivision construction

 

-

 

 

 

-

Land development

 

-

 

 

 

-

Commercial construction

 

-

 

 

 

-

Owner occupied one- to four-family residential

 

2,109

 

 

 

1,198

Non-owner occupied one- to four-family residential

 

279

 

 

 

181

Commercial real estate

 

727

 

 

 

632

Other residential

 

-

 

 

 

-

Commercial business

 

1,182

 

 

 

1,235

Industrial revenue bonds

 

-

 

 

 

-

Consumer auto

 

361

 

 

 

558

Consumer other

 

114

 

 

 

198

Home equity lines of credit

 

517

 

 

 

517

 

 

 

 

 

 

 

Total

$

5,289

 

 

$

4,519

 

 

 

 

The portfolio segments used in the preceding three tables correspond to the loan classes used in all other tables in Note 6 as follows:

 

·The one- to four-family residential and construction segment includes the one- to four-family residential construction, subdivision construction, owner occupied one- to four-family residential and non-owner occupied one- to four-family residential classes 

·The other residential segment corresponds to the other residential class 

·The commercial real estate segment includes the commercial real estate and industrial revenue bonds classes 

·The commercial construction segment includes the land development and commercial construction classes 

·The commercial business segment corresponds to the commercial business class 

·The consumer segment includes the consumer auto, consumer other and home equity lines of credit classes 

 

A loan is considered impaired, in accordance with the impairment accounting guidance (FASB ASC 310-10-35-16), when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include not only nonperforming loans but also include loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties.

 

 

Impaired loans (excluding FDIC-assisted loans, net of discount), are summarized as follows:

 

 

 

June 30, 2020

 

 

 

 

 

 

Unpaid

 

 

 

 

 

 

Recorded

 

 

Principal

 

 

Specific

 

 

 

Balance

 

 

Balance

 

 

Allowance

 

 

 

(In Thousands)

 

One- to four-family residential construction

$

-

 

$

-

 

$

-

 

Subdivision construction

 

24

 

 

24

 

 

-

 

Land development

 

-

 

 

-

 

 

-

 

Commercial construction

 

-

 

 

-

 

 

-

 

Owner occupied one- to four-family residential

 

2,751

 

 

3,034

 

 

78

 

Non-owner occupied one- to four-family residential

 

279

 

 

471

 

 

-

 

Commercial real estate

 

3,674

 

 

3,711

 

 

486

 

Other residential

 

-

 

 

-

 

 

-

 

Commercial business

 

1,220

 

 

1,726

 

 

9

 

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

Consumer auto

 

753

 

 

959

 

 

122

 

Consumer other

 

246

 

 

374

 

 

12

 

Home equity lines of credit

 

527

 

 

557

 

 

4

 

 

 

 

 

 

 

 

 

 

 

Total

$

9,474

 

$

10,856

 

$

711

 

 

 

Three Months Ended

June 30, 2020

 

Six Months Ended

June 30, 2020

 

 

Average

 

 

 

 

 

Average

 

 

 

 

 

Investment

 

 

Interest

 

 

Investment

 

 

Interest

 

 

in Impaired

 

 

Income

 

 

in Impaired

 

 

Income

 

 

Loans

 

 

Recognized

 

 

Loans

 

 

Recognized

 

(In Thousands)

 

 

 

 

One- to four-family residential construction

$

-

 

$

-

 

$

-

 

$

-

Subdivision construction

 

170

 

 

1

 

 

209

 

 

3

Land development

 

-

 

 

-

 

 

-

 

 

-

Commercial construction

 

-

 

 

-

 

 

-

 

 

-

Owner occupied one- to four-family residential

 

2,882

 

 

34

 

 

2,702

 

 

80

Non-owner occupied one- to four-family residential

 

418

 

 

5

 

 

425

 

 

11

Commercial real estate

 

3,885

 

 

37

 

 

4,004

 

 

67

Other residential

 

-

 

 

-

 

 

-

 

 

-

Commercial business

 

1,223

 

 

9

 

 

1,243

 

 

25

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

 

-

Consumer auto

 

868

 

 

14

 

 

973

 

 

40

Consumer other

 

265

 

 

6

 

 

276

 

 

16

Home equity lines of credit

 

 500

 

 

 7

 

 

 538

 

 

 19

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

10,211

 

$

113

 

$

10,370

 

$

261

 

 

 

 

 

 

At or for the Year Ended December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

Average

 

 

 

 

 

 

 

 

Unpaid

 

 

 

 

 

Investment

 

 

Interest

 

 

Recorded

 

 

Principal

 

 

Specific

 

 

in Impaired

 

 

Income

 

 

Balance

 

 

Balance

 

 

Allowance

 

 

Loans

 

 

Recognized

 

 

(In Thousands)

One- to four-family residential construction

$

-

 

$

-

 

$

-

 

$

-

 

$

-

Subdivision construction

 

251

 

 

251

 

 

96

 

 

277

 

 

9

Land development

 

-

 

 

-

 

 

-

 

 

328

 

 

101

Commercial construction

 

-

 

 

-

 

 

-

 

 

-

 

 

-

Owner occupied one- to four- family residential

 

2,300

 

 

2,423

 

 

82

 

 

2,598

 

 

131

Non-owner occupied one- to four-family residential

 

409

 

 

574

 

 

20

 

 

954

 

 

43

Commercial real estate

 

4,020

 

 

4,049

 

 

517

 

 

4,940

 

 

264

Other residential

 

-

 

 

-

 

 

-

 

 

-

 

 

-

Commercial business

 

1,286

 

 

1,771

 

 

13

 

 

1,517

 

 

81

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

 

-

 

 

-

Consumer auto

 

1,117

 

 

1,334

 

 

181

 

 

1,128

 

 

125

Consumer other

 

356

 

 

485

 

 

16

 

 

383

 

 

48

Home equity lines of credit

 

528

 

 

548

 

 

4

 

 

362

 

 

37

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

10,267

 

$

11,435

 

$

929

 

$

12,487

 

$

839

 

 

 

June 30, 2019

 

 

 

 

 

 

Unpaid

 

 

 

 

 

 

Recorded

 

 

Principal

 

 

Specific

 

 

 

Balance

 

 

Balance

 

 

Allowance

 

 

 

(In Thousands)

 

One- to four-family residential construction

$

-

 

$

-

 

$

-

 

Subdivision construction

 

261

 

 

261

 

 

100

 

Land development

 

3,556

 

 

3,588

 

 

-

 

Commercial construction

 

-

 

 

-

 

 

-

 

Owner occupied one- to four-family residential

 

2,157

 

 

2,434

 

 

114

 

Non-owner occupied one- to four-family residential

 

764

 

 

944

 

 

22

 

Commercial real estate

 

7,809

 

 

7,834

 

 

555

 

Other residential

 

-

 

 

-

 

 

-

 

Commercial business

 

1,451

 

 

1,918

 

 

470

 

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

Consumer auto

 

1,040

 

 

1,230

 

 

133

 

Consumer other

 

417

 

 

651

 

 

20

 

Home equity lines of credit

 

364

 

 

380

 

 

3

 

 

 

 

 

 

 

 

 

 

 

Total

$

17,819

 

$

19,240

 

$

1,417

 

 

 

 

 

Three Months Ended

June 30, 2019

 

Six Months Ended

June 30, 2019

 

 

Average

 

 

 

 

 

Average

 

 

 

 

 

Investment

 

 

Interest

 

 

Investment

 

 

Interest

 

 

in Impaired

 

 

Income

 

 

in Impaired

 

 

Income

 

 

Loans

 

 

Recognized

 

 

Loans

 

 

Recognized

 

(In Thousands)

 

 

 

 

One- to four-family residential construction

$

-

 

$

-

 

$

-

 

$

-

Subdivision construction

 

280

 

 

3

 

 

293

 

 

5

Land development

 

1,189

 

 

99

 

 

601

 

 

99

Commercial construction

 

-

 

 

-

 

 

-

 

 

-

Owner occupied one- to four-family residential

 

2,839

 

 

20

 

 

3,097

 

 

57

Non-owner occupied one- to four-family residential

 

815

 

 

6

 

 

1,296

 

 

18

Commercial real estate

 

6,349

 

 

86

 

 

5,612

 

 

136

Other residential

 

-

 

 

-

 

 

-

 

 

-

Commercial business

 

1,626

 

 

26

 

 

1,700

 

 

58

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

 

-

Consumer auto

 

1,088

 

 

18

 

 

1,240

 

 

43

Consumer other

 

401

 

 

11

 

 

432

 

 

22

Home equity lines of credit

 

 290

 

 

 10

 

 

 254

 

 

 17

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

14,877

 

$

279

 

$

14,525

 

$

455

 

 

At June 30, 2020, $4.2 million of impaired loans had specific valuation allowances totaling $711,000.  At December 31, 2019, $5.2 million of impaired loans had specific valuation allowances totaling $929,000.  

 

Included in certain loan categories in the impaired loans are troubled debt restructurings that were classified as impaired. Troubled debt restructurings are loans that are modified by granting concessions to borrowers experiencing financial difficulties.  These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection.  The types of concessions made are factored into the estimation of the allowance for loan losses for troubled debt restructurings primarily using a discounted cash flow or collateral adequacy approach.

 

The following tables present newly restructured loans, which were considered troubled debt restructurings, during the three and six months ended June 30, 2020 and, respectively, by type of modification:

 

 

 

Three Months Ended June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

Interest Only

 

 

      Term      

 

 

Combination

 

 

Modification

 

 

(In Thousands)

Consumer

 

-

 

 

16

 

 

28

 

 

44

$

-

 

$

16

 

$

28

 

$

44

 

 

 

Three Months Ended June 30, 2019

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

Interest Only

 

 

      Term      

 

 

Combination

 

 

Modification

 

 

(In Thousands)

Consumer                                 

$

-

 

$

52

 

$

-

 

$

52

 

 

 

 

 

Six Months Ended June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

Interest Only

 

 

      Term      

 

 

Combination

 

 

Modification

 

 

(In Thousands)

One- to four-family residential

$

-

 

$

-

 

$

130

 

$

130

Consumer

 

-

 

 

16

 

 

76

 

 

92

$

-

 

$

16

 

$

206

 

$

222

 

 

 

Six Months Ended June 30, 2019

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

Interest Only

 

 

      Term      

 

 

Combination

 

 

Modification

 

 

(In Thousands)

Consumer                                 

$

-

 

$

79

 

$

-

 

$

79

 

 

At June 30, 2020, the Company had $861,000 of loans that were modified in troubled debt restructurings and impaired, as follows:  $24,000 of construction and land development loans, $404,000 of one- to four-family residential mortgage loans, $97,000 of commercial real estate loans, $128,000 of commercial business loans and $208,000 of consumer loans.  Of the total troubled debt restructurings at June 30, 2020, $216,000 were accruing interest and $645,000 were non-accrual assets.  Of the $861,000 in troubled debt restructurings, $670,000 were classified as substandard using the Company’s internal grading system, which is described below.  The Company had no troubled debt restructurings which were modified in the previous 12 months and subsequently defaulted during the six months ended June 30, 2020.  When loans modified as troubled debt restructurings have subsequent payment defaults, the defaults are factored into the determination of the allowance for loan losses to ensure specific valuation allowances reflect amounts considered uncollectible.  At December 31, 2019, the Company had $1.9 million of loans that were modified in troubled debt restructurings and impaired, as follows:  $251,000 of construction and land development loans, $768,000 of single family residential mortgage loans, $412,000 of commercial real estate loans, $156,000 of commercial business loans and $343,000 of consumer loans.  Of the total troubled debt restructurings at December 31, 2019, $1.4 million were accruing interest and $562,000 were non-accrual assets and classified as substandard using the Company’s internal grading system.  The Company had no troubled debt restructurings which were modified in the previous 12 months and subsequently defaulted during the year ended December 31, 2019.  

 

During the three and six months ended June 30, 2020, there were no loans designated as troubled debt restructurings that met the criteria for placement back on accrual status.  The criteria are generally a minimum of six months of consistent and timely payment performance under original or modified terms.  During the three and six months ended June 30, 2019, $14,000 and $63,000 of loans, respectively, all of which consisted of consumer loans, designated as troubled debt restructurings met the criteria for placement back on accrual status.

 

As of June 30, 2020, we had modified 2,133 loans with a total principal balance outstanding of $1.0 billion, in response to the COVID-19 pandemic. These loan modifications were made as provided for under Section 4013 of the CARES Act and within the guidance provided by the federal banking regulatory agencies, the SEC and the FASB; therefore, they are not considered troubled debt restructurings.

 

The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” “Special Mention,” “Substandard” and “Doubtful.”  Loans classified as watch are being monitored because of indications of potential weaknesses or deficiencies that may require future classification as special mention or substandard.  Special mention loans possess potential weaknesses that deserve management’s close attention but do not expose the Bank to a degree of risk that warrants substandard classification.  Substandard loans are characterized by the distinct possibility that the Bank will sustain some loss if certain deficiencies are not corrected.  Doubtful loans are those having all the weaknesses inherent to those classified Substandard with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing

 

 

 

June 30, 2020

 

 

 

 

 

 

 

 

Special

 

 

 

 

 

 

 

 

 

 

 

Satisfactory

 

 

Watch

 

 

Mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

 

(In Thousands)

One- to four-family residential

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

construction

$

33,400

 

$

976

 

$

-

 

$

-

 

$

-

 

$

34,376

Subdivision construction

 

13,613

 

 

-

 

 

-

 

 

24

 

 

-

 

 

13,637

Land development

 

38,646

 

 

-

 

 

-

 

 

-

 

 

-

 

 

38,646

Commercial construction

 

1,211,294

 

 

-

 

 

-

 

 

-

 

 

-

 

 

1,211,294

Owner occupied one- to four-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

family residential

 

460,804

 

 

-

 

 

-

 

 

2,689

 

 

-

 

 

463,493

Non-owner occupied one- to

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

four-family residential

 

118,074

 

 

545

 

 

-

 

 

278

 

 

-

 

 

118,897

Commercial real estate

 

1,467,520

 

 

61,080

 

 

-

 

 

3,674

 

 

-

 

 

1,532,274

Other residential

 

1,024,591

 

 

-

 

 

-

 

 

-

 

 

-

 

 

1,024,591

Commercial business

 

429,065

 

 

11,063

 

 

-

 

 

1,182

 

 

-

 

 

441,310

Industrial revenue bonds

 

14,222

 

 

-

 

 

-

 

 

-

 

 

-

 

 

14,222

Consumer auto

 

113,229

 

 

25

 

 

-

 

 

673

 

 

-

 

 

113,927

Consumer other

 

42,548

 

 

88

 

 

-

 

 

246

 

 

-

 

 

42,882

Home equity lines of credit

 

115,735

 

 

41

 

 

-

 

 

517

 

 

-

 

 

116,293

Loans acquired and accounted

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

for under ASC 310-30,  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

net of discounts

 

110,652

 

 

-

 

 

-

 

 

12

 

 

-

 

 

110,664

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

5,193,393

 

$

73,818

 

$

-

 

$

9,295

 

$

-

 

$

5,276,506

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2019

 

 

 

 

 

 

 

 

Special

 

 

 

 

 

 

 

 

 

 

 

Satisfactory

 

 

Watch

 

 

Mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

 

(In Thousands)

One- to four-family residential

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

construction

$

33,963

 

$

-

 

$

-

 

$

-

 

$

-

 

$

33,963

Subdivision construction

 

16,061

 

 

27

 

 

-

 

 

-

 

 

-

 

 

16,088

Land development

 

40,431

 

 

-

 

 

-

 

 

-

 

 

-

 

 

40,431

Commercial construction

 

1,322,861

 

 

-

 

 

-

 

 

-

 

 

-

 

 

1,322,861

Owner occupied one- to-four-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

family residential

 

385,001

 

 

26

 

 

-

 

 

1,989

 

 

-

 

 

387,016

Non-owner occupied one- to-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

four-family residential

 

119,743

 

 

419

 

 

-

 

 

181

 

 

-

 

 

120,343

Commercial real estate

 

1,458,400

 

 

32,063

 

 

-

 

 

3,709

 

 

-

 

 

1,494,172

Other residential

 

866,006

 

 

-

 

 

-

 

 

-

 

 

-

 

 

866,006

Commercial business

 

307,322

 

 

4,651

 

 

-

 

 

1,236

 

 

-

 

 

313,209

Industrial revenue bonds

 

13,189

 

 

-

 

 

-

 

 

-

 

 

-

 

 

13,189

Consumer auto

 

150,874

 

 

47

 

 

-

 

 

933

 

 

-

 

 

151,854

Consumer other

 

46,294

 

 

92

 

 

-

 

 

334

 

 

-

 

 

46,720

Home equity lines of credit

 

118,428

 

 

43

 

 

-

 

 

517

 

 

-

 

 

118,988

Loans acquired and accounted

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

for under ASC 310-30,  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

net of discounts

 

127,192

 

 

-

 

 

-

 

 

14

 

 

-

 

 

127,206

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

5,005,765

 

$

37,368

 

$

-

 

$

8,913

 

$

-

 

$

5,052,046

 

 

 

XML 25 R15.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS
6 Months Ended
Jun. 30, 2020
Notes  
NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS

NOTE 7: FDIC-ASSISTED ACQUIRED LOANS

 

On March 20, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the Federal Deposit Insurance Corporation (FDIC) to assume all of the deposits (excluding brokered deposits) and acquire certain assets of TeamBank, N.A., a full service commercial bank headquartered in Paola, Kansas.  The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.

 

On September 4, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Vantus Bank, a full service thrift headquartered in Sioux City, Iowa. The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.

 

On October 7, 2011, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Sun Security Bank, a full service bank headquartered in Ellington, Missouri. The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.

 

On April 27, 2012, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Inter Savings Bank, FSB (“InterBank”), a full service bank headquartered in Maple Grove, Minnesota. The related loss sharing agreement was terminated early, effective June 9, 2017, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.

 

On June 20, 2014, Great Southern Bank entered into a purchase and assumption agreement with the FDIC to purchase a substantial portion of the loans and investment securities, as well as certain other assets, and assume all of the deposits, as well as certain other liabilities, of Valley Bank, a full-service bank headquartered in Moline, Illinois, with significant operations in Iowa.  This transaction did not include a loss sharing agreement.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.

 

The following table presents the balances of the acquired loans related to the various FDIC-assisted transactions at June 30, 2020 and December 31, 2019.

 

 

 

 

 

 

 

 

 

Sun Security

 

 

 

 

 

 

 

 

 

TeamBank

 

 

Vantus Bank

 

 

Bank

 

 

InterBank

 

 

Valley Bank

 

 

 

(In Thousands)

 

 

 

 

 

 

June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Gross loans receivable

$

6,380 

 

$

8,953 

 

$

15,298 

 

$

52,327 

 

$

33,565 

 

Balance of accretable discount
due to change in expected losses

 

(120)

 

 

(53)

 

 

(251)

 

 

(2,665)

 

 

(1,076)

 

Net carrying value to loans receivable

 

(6,231)

 

 

(8,887)

 

 

(14,919)

 

 

(48,851)

 

 

(31,773)

 

Expected loss remaining

$

29 

 

$

13 

 

$

128 

 

$

811 

 

$

716 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Gross loans receivable

$

7,304 

 

$

9,899 

 

$

17,906 

 

$

60,430 

 

$

41,032 

 

Balance of accretable discount
due to change in expected losses

 

(159)

 

 

(89)

 

 

(374)

 

 

(5,143)

 

 

(1,803)

 

Net carrying value to loans receivable

 

(7,118)

 

 

(9,797)

 

 

(17,392)

 

 

(54,442)

 

 

(38,452)

 

Expected loss remaining

$

27 

 

$

13 

 

$

140 

 

$

845 

 

$

777 

 

 

 

Fair Value and Expected Cash Flows.  At the time of these acquisitions, the Company determined the fair value of the loan portfolios based on several assumptions. Factors considered in the valuations were projected cash flows for the loans, type of loan and related collateral, classification status, fixed or variable interest rate, term of loan, current discount rates and whether or not the loan was amortizing. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. Management also estimated the amount of credit losses that were expected to be realized for the loan portfolios. The discounted cash flow approach was used to value each pool of loans. For non-performing loans, fair value was estimated by calculating the present value of the recoverable cash flows using a discount rate based on comparable corporate bond rates.

 

The amount of the estimated cash flows expected to be received from the acquired loan pools in excess of the fair values recorded for the loan pools is referred to as the accretable yield.  The accretable yield is recognized as interest income over the estimated lives of the loans.  The Company continues to evaluate the fair value of the loans including cash flows expected to be collected.  Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses.  During the three months ended June 30, 2020 and 2019, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $0 and $3.7 million, respectively, to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis.  During the six months ended June 30, 2020 and 2019, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $0 and $5.3 million, respectively, to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis.  

 

Because the balance of these adjustments to accretable yield will be recognized generally over the remaining lives of the loan pools, they will impact future periods as well.  As of June 30, 2020, the remaining accretable yield adjustment that will affect interest income is $4.2 million.  Of the remaining adjustments affecting interest income, we expect to recognize $2.2 million of interest income during the remainder of 2020.  

 

The impact to income of adjustments on the Company’s financial results is shown below:

 

 

 

Three Months Ended

 

 

Three Months Ended

 

 

June 30, 2020

 

 

June 30, 2019

 

 

(In Thousands, Except Per Share Data and Basis Points Data)

 

 

 

 

 

 

 

 

 

 

Impact on net interest income/

 

 

 

 

 

 

 

 

 

net interest margin (in basis points)

$

1,537

12 bps

 

$

1,399

12 bps

Net impact to pre-tax income

$

1,537

 

 

 

$

1,399

 

 

Net impact net of taxes

$

1,187

 

 

 

$

1,080

 

 

Impact to diluted earnings per share

$

0.08

 

 

 

$

0.08

 

 

 

 

 

Six Months Ended

 

 

Six Months Ended

 

 

June 30, 2020

 

 

June 30, 2019

 

 

(In Thousands, Except Per Share Data and Basis Points Data)

 

 

 

 

 

 

 

 

 

 

Impact on net interest income/

 

 

 

 

 

 

 

 

 

net interest margin (in basis points)

$

3,403

14 bps

 

$

2,911

13 bps

Net impact to pre-tax income

$

3,403

 

 

 

$

2,911

 

 

Net impact net of taxes

$

2,627

 

 

 

$

2,247

 

 

Impact to diluted earnings per share

$

0.19

 

 

 

$

0.16

 

 

 

 

Changes in the accretable yield for acquired loan pools were as follows for the three and six months ended June 30, 2020 and 2019:

 

 

 

 

 

 

 

 

 

Sun Security

 

 

 

 

 

 

 

 

 

TeamBank

 

 

Vantus Bank

 

 

Bank

 

 

InterBank

 

 

Valley Bank

 

 

 

(In Thousands)

 

 

 

 

 

 

Balance, April 1, 2020

$

1,078 

 

$

1,086 

 

$

2,280 

 

$

6,357 

 

$

4,612 

 

Accretion

 

(114)

 

 

(189)

 

 

(266)

 

 

(1,857)

 

 

(833)

 

Change in expected accretable yield(1)

 

(46)

 

 

57 

 

 

(121)

 

 

752 

 

 

344 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, June 30, 2020

$

918 

 

$

954 

 

$

1,893 

 

$

5,252 

 

$

4,123 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, April 1, 2019

$

1,399 

 

$

1,302 

 

$

2,444 

 

$

7,948 

 

$

4,329 

 

Accretion

 

(180)

 

 

(261)

 

 

(340)

 

 

(1,951)

 

 

(1,132)

 

Change in expected accretable yield(1)

 

131 

 

 

186 

 

 

(245)

 

 

2,468 

 

 

2,347 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, June 30, 2019

$

1,350 

 

$

1,227 

 

$

1,859 

 

$

8,465 

 

$

5,544 

 

 

(1)

Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses.  The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the three months ended June 30, 2020, totaling $(46,000), $57,000, $(121,000), $752,000 and $344,000, respectively, and for the three months ended June 30, 2019, totaling $68,000, $186,000, $(336,000), $468,000 and $839,000, respectively.  

 

 

 

 

 

 

 

 

 

 

 

Sun Security

 

 

 

 

 

 

 

 

 

TeamBank

 

 

Vantus Bank

 

 

Bank

 

 

InterBank

 

 

Valley Bank

 

 

 

(In Thousands)

 

 

 

 

 

 

Balance, January 1, 2020

$

1,157 

 

$

1,123 

 

$

1,948 

 

$

8,277 

 

$

4,578 

 

Accretion

 

(239)

 

 

(420)

 

 

(592)

 

 

(3,963)

 

 

(1,740)

 

Change in expected accretable yield(1)

 

 

 

251 

 

 

537 

 

 

938 

 

 

1,285 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, June 30, 2020

$

918 

 

$

954 

 

$

1,893 

 

$

5,252 

 

$

4,123 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, January 1, 2019

$

1,356 

 

$

1,432 

 

$

2,242 

 

$

4,994 

 

$

3,063 

 

Accretion

 

(615)

 

 

(478)

 

 

(781)

 

 

(3,979)

 

 

(1,985)

 

Change in expected accretable yield(1)

 

609 

 

 

273 

 

 

398 

 

 

7,450 

 

 

4,466 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, June 30, 2019

$

1,350 

 

$

1,227 

 

$

1,859 

 

$

8,465 

 

$

5,544 

 

 

(1)

Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses.  The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the six months ended June 30, 2020, totaling $0, $251,000, $537,000, $938,000 and $1.3 million, respectively, and for the six months ended June 30, 2019, totaling $546,000, $273,000, $247,000, $4.6 million and $2.2 million, respectively.  

 

 

XML 26 R16.htm IDEA: XBRL DOCUMENT v3.20.2
Note 8: Other Real Estate Owned
6 Months Ended
Jun. 30, 2020
Notes  
Note 8: Other Real Estate Owned

NOTE 8: OTHER REAL ESTATE OWNED AND REPOSSESSIONS

 

Major classifications of other real estate owned were as follows:

 

 

 

June 30,

 

 

December 31,

 

 

2020

 

 

2019

 

 

(In Thousands)

 

 

 

Foreclosed assets held for sale and repossessions

 

 

 

 

 

  One- to four-family construction

$

-

 

$

-

  Subdivision construction

 

350

 

 

689

  Land development

 

1,358

 

 

1,816

  Commercial construction

 

-

 

 

-

  One- to four-family residential

 

291

 

 

601

  Other residential

 

-

 

 

-

  Commercial real estate

 

-

 

 

-

  Commercial business

 

-

 

 

-

  Consumer

 

340

 

 

545

 

 

2,339

 

 

3,651

  Foreclosed assets acquired through FDIC-assisted

 

 

 

 

 

     transactions, net of discounts

 

1,236

 

 

1,003

 

 

 

 

 

 

Foreclosed assets held for sale and repossessions, net

 

3,575

 

 

4,654

 

 

 

 

 

 

  Other real estate owned not acquired through foreclosure

 

860

 

 

871

 

 

 

 

 

 

Other real estate owned and repossessions

$

4,435

 

$

5,525

 

 

At both June 30, 2020 and December 31, 2019, other real estate owned not acquired through foreclosure included six properties, all of which were branch locations that were closed and are held for sale.  

 

At June 30, 2020, residential mortgage loans totaling $751,000 were in the process of foreclosure, $650,000 of which were acquired loans.  This does not include one loan totaling $57,000 that is in the process of foreclosure that is owned by Fannie Mae and serviced by the Bank. Pursuant to Section 4022 of the recently-enacted CARES Act, the Company has suspended all foreclosure proceedings. Under this provision, no mortgage servicer of any federally-backed mortgage loan is permitted to initiate any foreclosure process, whether judicial or non-judicial, move for a foreclosure judgment or order of sale, or execute a foreclosure- related eviction or foreclosure sale for a 60-day period, beginning March 18, 2020. This provision was subsequently extended through August 31, 2020.

 

At December 31, 2019, residential mortgage loans totaling $1.6 million were in the process of foreclosure, $1.4 million of which were acquired loans.

Expenses applicable to other real estate owned and repossessions included the following:

 

 

 

Three Months Ended

 

 

 

June 30,

 

 

 

2020

 

 

2019

 

 

 

(In Thousands)

 

 

 

Net gains on sales of other real estate owned and repossessions

$

(5)

 

$

(244)

 

Valuation write-downs

 

50 

 

 

197 

 

Operating expenses, net of rental income

 

223 

 

 

466 

 

 

 

 

 

 

 

 

$

268 

 

$

419 

 

 

 

 

Six Months Ended

 

 

 

June 30,

 

 

 

2020

 

 

2019

 

 

 

(In Thousands)

 

 

 

Net gains on sales of other real estate owned and repossessions

$

(101)

 

$

(410)

 

Valuation write-downs

 

213 

 

 

444 

 

Operating expenses, net of rental income

 

635 

 

 

1,005 

 

 

 

 

 

 

 

 

$

747 

 

$

1,039 

 

 

 

XML 27 R17.htm IDEA: XBRL DOCUMENT v3.20.2
Note 9: Premises and Equipment
6 Months Ended
Jun. 30, 2020
Notes  
Note 9: Premises and Equipment

NOTE 9: PREMISES AND EQUIPMENT

 

Major classifications of premises and equipment, stated at cost, were as follows:

 

 

 

June 30,

 

 

December 31,

 

 

2020

 

 

2019

(In Thousands)

 

Land

$

40,767

 

$

40,632

Buildings and improvements

 

 98,406

 

 

96,959

Furniture, fixtures and equipment

 

 58,143

 

 

56,986

Operating leases right of use asset

 

8,979

 

 

8,668

 

 

 206,295

 

 

203,245

Less accumulated depreciation

 

65,737

 

 

61,337

 

 

 

 

 

 

$

140,558

 

$

141,908

 

 

Leases.  The Company adopted ASU 2016-02, Leases (Topic 842), on January 1, 2019, using the modified retrospective transition approach whereby comparative periods were not restated.  The Company also elected certain relief options under the

ASU, including the option not to recognize right of use asset and lease liabilities that arise from short-term leases (leases with terms of twelve months or less).   Adoption of this ASU resulted in the Company initially recognizing a right of use asset and corresponding lease liability of $9.5 million during the three months ended March 31, 2019.  The amount of the right of use asset and corresponding lease liability will fluctuate based on the Company’s lease terminations, new leases and lease modifications and renewals. As of June 30, 2020, the lease right to use asset value was $9.0 million and the corresponding lease liability was $9.1 million.

 

All of our leases are classified as operating leases (as they were prior to January 1, 2019), and therefore were previously not recognized on the Company’s consolidated statements of financial condition.  With the adoption of ASU 2016-02, these operating leases are now included as a right of use asset in the premises and equipment line item on the Company’s consolidated statements of financial condition.  The corresponding lease liability is included in the accrued expenses and other liabilities line item on the Company’s consolidated statements of financial condition.  Because these leases are classified as operating leases, the adoption of the new standard did not have a material effect on lease expense on the Company’s consolidated statements of income.

 

ASU 2016-02 provides a number of optional practical expedients in transition. The Company has elected the “package of practical expedients,” which permits the Company not to reassess under the new standard the prior conclusions about lease identification, lease classification and initial direct costs. The Company also elected the use of the hindsight, a practical expedient which permits the use of information available after lease inception to determine the lease term via the knowledge of renewal options exercised not available as of the lease’s inception.  The practical expedient pertaining to land easements is not applicable to the Company.  

 

ASU 2016-02 also requires certain other accounting elections.  The Company elected the short-term lease recognition exemption for all leases that qualify, meaning those with terms under twelve months.  Right of use assets or lease liabilities are not to be recognized for short-term leases. The Company also elected the practical expedient to not separate lease and non-lease components for all leases.   The Company’s short-term leases related to offsite ATMs have both fixed and variable lease payment components, based on the number of transactions at the various ATMs.  The variable portion of these lease payments is not material and the total lease expense related to ATMs for the three months ended June 30, 2020 and 2019 was $65,000 and $76,000, respectively. The total lease expense related to ATMs for the six months ended June 30, 2020 and 2019, was $126,000 and $149,000, respectively.

 

The calculated amounts of the right of use assets and lease liabilities in the table below are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew the extended term in the calculation of the right of use asset and lease liability. Regarding the discount rate, the ASU requires the use of the rate implicit in the lease at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the right of use asset and lease liability.  Regarding the discount rate, the ASU requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception over a similar term. The discount rate utilized was the FHLBank borrowing rate for the term corresponding to the expected term of the lease.  The remaining expected lease terms range from 2.8 years to 18.4 years with a weighted-average lease term of 9.5 years.  The weighted-average discount rate was 3.24%.

 

 

 

 

 

At or For the Three Months Ended

 

 

June 30, 2020

 

 

June 30, 2019

 

 

(In Thousands)

Statement of Financial Condition

 

 

 

 

 

Operating leases right of use asset

$

8,979

$

9,106

Operating leases liability

$

9,073

$

9,153

 

 

 

 

 

 

Statement of Income

 

 

 

 

 

Operating lease costs classified as occupancy and equipment expense

$

400

$

371

 (includes short-term lease costs and amortization of right of use asset)

 

 

 

 

 

 

 

 

 

 

 

Supplemental Cash Flow Information

 

 

 

 

 

Cash paid for amounts included in the measurement of lease liabilities:

 

 

 

 

 

 Operating cash flows from operating leases

$

387

$

351

 

 

 

 

 

 

 

 

 

At or For the Six Months Ended

 

 

June 30, 2020

 

 

June 30, 2019

 

 

(In Thousands)

Statement of Financial Condition

 

 

 

 

 

Operating leases right of use asset

$

8,979

$

9,106

Operating leases liability

$

9,073

$

9,153

 

 

 

 

 

 

Statement of Income

 

 

 

 

 

Operating lease costs classified as occupancy and equipment expense

$

785

$

747

 (includes short-term lease costs and amortization of right of use asset)

 

 

 

 

 

 

 

 

 

 

 

Supplemental Cash Flow Information

 

 

 

 

 

Cash paid for amounts included in the measurement of lease liabilities:

 

 

 

 

 

 Operating cash flows from operating leases

$

758

$

701

Right of use assets obtained in exchange for lease obligations:

 

 

 

 

 

 Operating leases

 

972

$

9,538

 

 

 

 

 

 

 

 

For the three months ended June 30, 2020 and 2019, lease expense was $400,000 and $371,000, respectively. For the six months ended June 30, 2020 and 2019, lease expense was $785,000 and $747,000, respectively. At June 30, 2020, future expected lease payments for leases with terms exceeding one year were as follows (In Thousands):

 

2020

$

 549

 

2021

 

  1,118

 

2022

 

  1,116

 

2023

 

  1,088

 

2024

 

  1,005

 

2025

 

  979

 

Thereafter

 

  4,926

 

 

 

 

 

Future lease payments expected

 

  10,781

 

 

 

 

 

Less interest portion of lease payments

 

  (1,708

)

 

 

 

 

Lease liability

$

 9,073

 

 

The Company does not sublease any of its leased facilities; however, it does lease to other third parties portions of facilities that it owns.  In terms of being the lessor in these circumstances, all of these lease agreements are classified as operating leases.  In the three months ended June 30, 2020 and 2019, income recognized from these lessor agreements was $271,000 and $285,000, respectively, and was included in occupancy and equipment expense. In the six months ended June 30, 2020 and

2019, income recognized from these lessor agreements was $570,000 and $561,000, respectively, and was included in occupancy and equipment expense.

XML 28 R18.htm IDEA: XBRL DOCUMENT v3.20.2
Note 10: Deposits
6 Months Ended
Jun. 30, 2020
Notes  
Note 10: Deposits

NOTE 10: DEPOSITS

 

 

 

June 30,

 

 

December 31,

 

 

2020

 

 

2019

 

 

(In Thousands)

 

Time Deposits:

 

 

 

 

 

0.00% - 0.99%

$

478,525

 

$

122,649

1.00% - 1.99%

 

894,301

 

 

523,816

2.00% - 2.99%

 

315,071

 

 

1,053,914

3.00% - 3.99%

 

18,822

 

 

19,849

4.00% - 4.99%

 

421

 

 

881

Total time deposits (weighted average rate 1.44% and 2.09%)

 

1,707,140

 

 

1,721,109

Non-interest-bearing demand deposits

 

879,245

 

 

687,068

Interest-bearing demand and savings deposits

(Weighted average rate 0.34% and 0.55%)

 

1,925,773

 

 

1,551,929

Total Deposits

$

4,512,158

 

$

3,960,106

 

 

XML 29 R19.htm IDEA: XBRL DOCUMENT v3.20.2
Note 11: Advances From Federal Home Loan Bank
6 Months Ended
Jun. 30, 2020
Notes  
Note 11: Advances From Federal Home Loan Bank

NOTE 11: ADVANCES FROM FEDERAL HOME LOAN BANK

 

At June 30, 2020 and December 31, 2019, there were no outstanding term advances from the Federal Home Loan Bank of Des Moines (FHLBank advances).  There were overnight funds from the Federal Home Loan Bank of Des Moines as of December 31, 2019, which are included below in Note 12.

 

 

XML 30 R20.htm IDEA: XBRL DOCUMENT v3.20.2
Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings
6 Months Ended
Jun. 30, 2020
Notes  
Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings

NOTE 12: SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS

 

 

 

June 30,

2020

 

 

December 31,

2019

 

 

(In Thousands)

 

Notes payable – Community Development Equity Funds

$

1,279

 

$

1,267

Other interest-bearing liabilities

 

-

 

 

30,890

Overnight borrowings from the Federal Home Loan Bank

 

-

 

 

196,000

Securities sold under reverse repurchase agreements

 

191,624

 

 

84,167

 

 

 

 

 

 

$

192,903

 

$

312,324

 

The Bank enters into sales of securities under agreements to repurchase (reverse repurchase agreements).  Reverse repurchase agreements are treated as financings, and the obligations to repurchase securities sold are reflected as a liability in the statements of financial condition.  The dollar amount of securities underlying the agreements remains in the asset accounts.  Securities underlying the agreements are being held by the Bank during the agreement period.  All agreements are written on a term of one month or less.

 

At December 31, 2019, other interest-bearing liabilities consisted of cash collateral held by the Company to satisfy minimum collateral posting thresholds with its derivative dealer counterparties representing the termination value of derivatives, which at such time were in a net asset position.  Under the collateral agreements between the parties, either party may choose to provide cash or securities to satisfy its collateral requirements. Effective March 2, 2020, the Company and its swap counterparty mutually agreed to terminate the Company’s interest rate swap eliminating the cash collateral held.  For additional information, see “Cash Flow Hedges” in Note 16.

 

The following table represents the Company’s securities sold under reverse repurchase agreements, by collateral type and remaining contractual maturity.

 

 

 

June 30, 2020

 

 

December 31, 2019

 

 

Overnight and

 

 

Overnight and

 

 

Continuous

 

 

Continuous

 

(In Thousands)

 

Mortgage-backed securities – GNMA, FNMA, FHLMC

$

191,624

 

$

84,167

 

 

 

 

 

 

 

XML 31 R21.htm IDEA: XBRL DOCUMENT v3.20.2
Note 13: Subordinated Notes
6 Months Ended
Jun. 30, 2020
Notes  
Note 13: Subordinated Notes

NOTE 13: SUBORDINATED NOTES

 

On August 8, 2016, the Company completed the public offering and sale of $75.0 million of its subordinated notes. The notes are due August 15, 2026, and have a fixed interest rate of 5.25% until August 15, 2021, at which time the rate becomes floating at a rate equal to three-month LIBOR plus 4.087%.  The Company may call the notes at par beginning on August 15, 2021, and on any scheduled interest payment date thereafter.  The notes were sold at par, resulting in net proceeds, after underwriting discounts and commissions, legal, accounting and other professional fees, of approximately $73.5 million.  Total debt issuance costs of approximately $1.5 million were deferred and are being amortized over the expected life of the notes, which is five years.  

 

On June 10, 2020, the Company completed the public offering and sale of $75.0 million of its subordinated notes.  The notes are due June 15, 2030, and have a fixed interest rate of 5.50% until June 15, 2025, at which time the rate becomes floating at a rate expected to be equal to three-month term Secured Overnight Financing Rate (SOFR) plus 5.325%.  The Company may call the notes at par beginning on June 15, 2025, and on any scheduled interest payment date thereafter.  The notes were sold at par, resulting in net proceeds, after underwriting discounts and commissions, legal, accounting and other professional fees, of approximately $73.5 million.  Total debt issuance costs of approximately $1.5 million were deferred and are being amortized over the expected life of the notes, which is five years.  

 

Amortization of the debt issuance costs during the three and six months ended June 30, 2020, totaled $134,000 and $242,000, respectively. Amortization of the debt issuance costs during the three and six months ended June 30, 2019, totaled $108,000 and $217,000, respectively. Amortization of the debt issuance costs is included in interest expense on subordinated notes in the consolidated statements of income, resulting in an imputed interest rate of 5.99%.

 

At June 30, 2020 and December 31, 2019, subordinated notes are summarized as follows:

 

 

 

June 30, 2020

 

 

December 31, 2019

 

 

(In Thousands)

 

Subordinated notes

$

150,000

 

$

75,000

Less: unamortized debt issuance costs

 

1,968

 

 

724

$

148,032

 

$

74,276

 

 

XML 32 R22.htm IDEA: XBRL DOCUMENT v3.20.2
Note 14: Income Taxes
6 Months Ended
Jun. 30, 2020
Notes  
Note 14: Income Taxes

NOTE 14: INCOME TAXES

 

Reconciliations of the Company’s effective tax rates to the statutory corporate tax rates were as follows:

 

 

Three Months Ended June 30,

 

 

2020

 

 

2019

 

 

 

Tax at statutory rate

 21.0%

 

 

21.0%

 

Nontaxable interest and dividends

(0.5)

 

 

(0.5)

 

Tax credits

(4.3)

 

 

(4.2)

 

State taxes

1.5 

 

 

1.2 

 

Other

1.6 

 

 

(0.7)

 

19.3%

 

 

16.8%

 

 

 

Six Months Ended June 30,

 

 

2020

 

 

2019

 

 

 

Tax at statutory rate

 21.0%

 

 

21.0%

 

Nontaxable interest and dividends

(0.5)

 

 

(0.5)

 

Tax credits

(3.9)

 

 

(4.4)

 

State taxes

(0.2)

 

 

1.3 

 

Other

1.0 

 

 

0.3 

 

17.4%

 

 

17.7%

 

 

 

The Company and its consolidated subsidiaries have not been audited recently by the Internal Revenue Service (IRS), except as described here.  The Company, through one of its subsidiaries, is a partner in two partnerships which were under IRS examination for 2006 and 2007.  As a result, the Company’s 2006 and subsequent tax years remained open for examination. The examinations of these partnerships were completed during 2019.  The completion of these examinations did not result in significant changes to the Company’s tax positions.  As a result, federal tax years through December 31, 2015 are now closed.

 

The Company is currently under State of Missouri income and franchise tax examinations for its 2014 and 2015 tax years.  The Company does not currently expect significant adjustments to its financial statements from this state examination.

 

XML 33 R23.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments
6 Months Ended
Jun. 30, 2020
Notes  
Note 15: Disclosures About Fair Value of Financial Instruments

NOTE 15: DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS

 

ASC Topic 820, Fair Value Measurements, defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.  Topic 820 also specifies a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.  The standard describes three levels of inputs that may be used to measure fair value:

 

·Quoted prices in active markets for identical assets or liabilities (Level 1): Inputs that are quoted unadjusted prices in active markets for identical assets that the Company has the ability to access at the measurement date. An active market for the asset is a market in which transactions for the asset or liability occur with sufficient frequency and volume to provide pricing information on an ongoing basis. 

 

·Other observable inputs (Level 2): Inputs that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from sources independent of the reporting entity including quoted prices for similar assets, quoted prices for securities in inactive markets and inputs derived principally from or corroborated by observable market data by correlation or other means. 

 

·Significant unobservable inputs (Level 3): Inputs that reflect assumptions of a source independent of the reporting entity or the reporting entity's own assumptions that are supported by little or no market activity or observable inputs. 

 

Financial instruments are broken down by recurring or nonrecurring measurement status. Recurring assets are initially measured at fair value and are required to be remeasured at fair value in the financial statements at each reporting date. Assets measured on a nonrecurring basis are assets that, due to an event or circumstance, were required to be remeasured at fair value after initial recognition in the financial statements at some time during the reporting period.

 

The Company considers transfers between the levels of the hierarchy to be recognized at the end of related reporting periods.  From December 31, 2019 to June 30, 2020, no assets for which fair value is measured on a recurring basis transferred between any levels of the hierarchy.

 

Recurring Measurements

 

The following table presents the fair value measurements of assets recognized in the accompanying statements of financial condition measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fell at June 30, 2020 and December 31, 2019:  

 

 

 

 

 

 

Fair value measurements using

 

 

 

 

 

Quoted prices

 

 

 

 

 

 

 

 

 

 

 

in active

 

 

 

 

 

 

 

 

 

 

 

markets

 

 

Other

 

 

Significant

 

 

 

 

 

for identical

 

 

observable

 

 

unobservable

 

 

 

 

 

assets

 

 

inputs

 

 

inputs

 

 

Fair value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

 

 

(In Thousands)

 

 

 

June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

Agency mortgage-backed securities

$

174,022 

 

$

-

 

$

174,022 

 

$

-

Agency collateralized mortgage obligations

 

179,833 

 

 

-

 

 

179,833 

 

 

-

States and political subdivisions

 

71,203 

 

 

-

 

 

71,203 

 

 

-

Small Business Administration securities

 

21,877 

 

 

-

 

 

21,877 

 

 

-

Interest rate derivative asset

 

6,580 

 

 

-

 

 

6,580 

 

 

-

Interest rate derivative liability

 

(7,221)

 

 

-

 

 

(7,221)

 

 

-

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

Agency mortgage-backed securities

$

165,042 

 

$

-

 

$

165,042 

 

$

-

Agency collateralized mortgage obligations

 

151,950 

 

 

-

 

 

151,950 

 

 

-

States and political subdivisions

 

35,125 

 

 

-

 

 

35,125 

 

 

-

Small Business Administration

 

22,058 

 

 

-

 

 

22,058 

 

 

-

Interest rate derivative asset

 

31,476 

 

 

-

 

 

31,476 

 

 

-

Interest rate derivative liability

 

(1,547)

 

 

-

 

 

(1,547)

 

 

-

 

The following is a description of inputs and valuation methodologies used for assets recorded at fair value on a recurring basis and recognized in the accompanying statements of financial condition at June 30, 2020 and December 31, 2019, as well as the general classification of such assets pursuant to the valuation hierarchy.  There have been no significant changes in the valuation techniques during the six-month period ended June 30, 2020. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below.  

 

Available-for-Sale Securities. Investment securities available for sale are recorded at fair value on a recurring basis. The fair values used by the Company are obtained from an independent pricing service, which represent either quoted market prices for the identical asset or fair values determined by pricing models, or other model-based valuation techniques, that consider observable market data, such as interest rate volatilities, LIBOR yield curve, credit spreads and prices from market makers and live trading systems.  Recurring Level 2 securities include U.S. government agency securities, mortgage-backed securities, state and municipal bonds and certain other investments. Inputs used for valuing Level 2 securities include observable data that may include dealer quotes, benchmark yields, market spreads, live trading levels and market consensus prepayment speeds, among other things. Additional inputs include indicative values derived from the independent pricing service’s proprietary computerized models.  There were no recurring Level 3 securities at June 30, 2020 or December 31, 2019.

 

Interest Rate Derivatives. The fair value is estimated using forward-looking interest rate curves and is determined using observable market rates and, therefore, are classified within Level 2 of the valuation hierarchy.

 

Nonrecurring Measurements

 

The following tables present the fair value measurements of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at June 30, 2020 and December 31, 2019:

 

 

 

 

 

 

Fair Value Measurements Using

 

 

 

 

 

Quoted prices

 

 

 

 

 

 

 

 

 

 

 

in active

 

 

 

 

 

 

 

 

 

 

 

markets

 

 

Other

 

 

Significant

 

 

 

 

 

for identical

 

 

observable

 

 

unobservable

 

 

 

 

 

assets

 

 

inputs

 

 

inputs

 

 

Fair value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

 

 

(In Thousands)

 

 

 

June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

Impaired loans

$

2,710

 

$

-

 

$

-

 

$

2,710

 

 

 

 

 

 

 

 

 

 

 

 

Foreclosed assets held for sale

$

97

 

$

-

 

$

-

 

$

97

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

Impaired loans

$

635

 

$

-

 

$

-

 

$

635

 

 

 

 

 

 

 

 

 

 

 

 

Foreclosed assets held for sale

$

1,112

 

$

-

 

$

-

 

$

1,112

 

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

 

Loans Held for Sale.  Mortgage loans held for sale are recorded at the lower of carrying value or fair value.  The fair value of mortgage loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics.  As such, the Company classifies mortgage loans held for sale as Nonrecurring Level 2.  Write-downs to fair value typically do not occur as the Company generally enters into commitments to sell individual mortgage loans at the time the loan is originated to reduce market risk.  The Company typically does not have commercial loans held for sale.  At June 30, 2020 and December 31, 2019, the aggregate fair value of mortgage loans held for sale exceeded their cost.  Accordingly, no mortgage loans held for sale were marked down and reported at fair value.

 

Impaired Loans.  A loan is considered to be impaired when it is probable that all of the principal and interest due may not be collected according to its contractual terms. Generally, when a loan is considered impaired, the amount of reserve required under FASB ASC 310, Receivables, is measured based on the fair value of the underlying collateral. The Company makes such measurements on all material loans deemed impaired using the fair value of the collateral for collateral dependent loans. The fair value of collateral used by the Company is determined by obtaining an observable market price or by obtaining an appraised value from an independent, licensed or certified appraiser, using observable market data. This data includes information such as selling price of similar properties and capitalization rates of similar properties sold within the market, expected future cash flows or earnings of the subject property based on current market expectations, and other relevant factors. All appraised values are adjusted for market-related trends based on the Company’s experience in sales and other appraisals of similar property types as well as estimated selling costs.  Each quarter, management reviews all collateral dependent impaired loans on a loan-by-loan basis to determine whether updated appraisals are necessary based on loan performance, collateral type and guarantor support.  At times, the Company measures the fair value of collateral dependent impaired loans using appraisals with dates more than one year prior to the date of review.  These appraisals are discounted by applying current, observable market data about similar property types such as sales contracts, estimations of value by individuals familiar with the market, other appraisals, sales or collateral assessments based on current market activity until updated appraisals are obtained.  Depending on the length of time since an appraisal was performed and the data provided through our reviews, these appraisals are typically discounted 10-40%.  The policy described above is the same for all types of collateral dependent impaired loans.

 

The Company records impaired loans as Nonrecurring Level 3. If a loan’s fair value as estimated by the Company is less than its carrying value, the Company either records a charge-off of the portion of the loan that exceeds the fair value or establishes a reserve within the allowance for loan losses specific to the loan.  Loans for which such charge-offs or reserves were recorded during the six months ended June 30, 2020 or the year ended December 31, 2019, are shown in the table above (net of reserves).

 

Foreclosed Assets Held for Sale.  Foreclosed assets held for sale are initially recorded at fair value less estimated cost to sell at the date of foreclosure.  Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell.  Foreclosed assets held for sale are classified within Level 3 of the fair value hierarchy.  The foreclosed assets represented in the table above have been re-measured during the six months ended June 30, 2020 or the year ended December 31, 2019, subsequent to their initial transfer to foreclosed assets.

 

Fair Value of Financial Instruments

 

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

 

Cash and Cash Equivalents and Federal Home Loan Bank Stock. The carrying amount approximates fair value.

 

Loans and Interest Receivable.  The fair value of loans is estimated on an exit price basis incorporating contractual cash flows, prepayments, discount spreads, credit losses and liquidity premiums.  Loans with similar characteristics were aggregated for purposes of the calculations.  The carrying amount of accrued interest receivable approximates its fair value.      

 

Deposits and Accrued Interest Payable.  The fair value of demand deposits and savings accounts is the amount payable on demand at the reporting date, i.e., their carrying amounts.  The fair value of fixed maturity certificates of deposit is estimated through a discounted cash flow calculation using the average advances yield curve from 11 districts of the FHLB for the as of date.  The carrying amount of accrued interest payable approximates its fair value.

 

Short-Term Borrowings.  The carrying amount approximates fair value.

 

Subordinated Debentures Issued to Capital Trusts.  The subordinated debentures have floating rates that reset quarterly.  The carrying amount of these debentures approximates their fair value.

 

Subordinated Notes.  The fair values used by the Company are obtained from independent sources and are derived from quoted market prices of the Company’s subordinated notes and quoted market prices of other subordinated debt instruments with similar characteristics.

 

Commitments to Originate Loans, Letters of Credit and Lines of Credit.  The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties.  For fixed rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates.  The fair value of letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date.

 

 

The following table presents estimated fair values of the Company’s financial instruments not recorded at fair value on the statements of financial condition.  The fair values of certain of these instruments were calculated by discounting expected cash flows, which method involves significant judgments by management and uncertainties.  Fair value is the estimated amount at which financial assets or liabilities could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale.  Because no market exists for certain of these financial instruments and because management does not intend to sell these financial instruments, the Company does not know whether the fair values shown below represent values at which the respective financial instruments could be sold individually or in the aggregate.

 

 

 

June 30, 2020

 

 

December 31, 2019

 

 

Carrying

 

 

Fair

 

Hierarchy

 

 

Carrying

 

 

Fair

 

Hierarchy

 

 

Amount

 

 

Value

 

Level

 

 

Amount

 

 

Value

 

Level

 

 

(In Thousands)

 

 

Financial assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and cash equivalents

$

473,645

 

$

473,645

 

1

 

$

220,155

 

$

220,155

 

1

Mortgage loans held for sale

 

20,188

 

 

20,188

 

2

 

 

9,242

 

 

9,242

 

2

Loans, net of allowance for loan losses

 

4,399,645

 

 

4,392,396

 

3

 

 

4,153,982

 

 

4,129,984

 

3

Interest receivable

 

14,759

 

 

14,759

 

3

 

 

13,530

 

 

13,530

 

3

Investment in FHLBank stock and
other interest-earning assets

 

11,276

 

 

11,276

 

3

 

 

13,473

 

 

13,473

 

3

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Financial liabilities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

4,512,158

 

 

4,524,749

 

3

 

 

3,960,106

 

 

3,963,875

 

3

Short-term borrowings

 

192,903

 

 

192,903

 

3

 

 

312,324

 

 

312,324

 

3

Subordinated debentures

 

25,774

 

 

25,774

 

3

 

 

25,774

 

 

25,774

 

3

Subordinated notes

 

148,032

 

 

149,625

 

2

 

 

74,276

 

 

76,875

 

2

Interest payable

 

3,464

 

 

3,464

 

3

 

 

4,250

 

 

4,250

 

3

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unrecognized financial instruments
 (net of contractual value)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commitments to originate loans

 

-

 

 

-

 

3

 

 

-

 

 

-

 

3

Letters of credit

 

48

 

 

48

 

3

 

 

109

 

 

109

 

3

Lines of credit

 

-

 

 

-

 

3

 

 

-

 

 

-

 

3

 

 

XML 34 R24.htm IDEA: XBRL DOCUMENT v3.20.2
Note 16: Derivatives and Hedging Activities
6 Months Ended
Jun. 30, 2020
Notes  
Note 16: Derivatives and Hedging Activities

NOTE 16:  DERIVATIVES AND HEDGING ACTIVITIES

 

Risk Management Objective of Using Derivatives

 

The Company is exposed to certain risks arising from both its business operations and economic conditions.  The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities.  The Company manages economic risks, including interest rate, liquidity and credit risk, primarily by managing the amount, sources and duration of its assets and liabilities.  In the normal course of business, the Company may use derivative financial instruments (primarily interest rate swaps) from time to time to assist in its interest rate risk management.  The Company has interest rate derivatives that result from a service provided to certain qualifying loan customers that are not used to manage interest rate risk in the Company’s assets or liabilities and are not designated in a qualifying hedging relationship.  The Company manages a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions.  In addition, the Company has interest rate derivatives that are designated in a qualified hedging relationship.  

 

Nondesignated Hedges

 

The Company has interest rate swaps that are not designated as qualifying hedging relationships.  Derivatives not designated as hedges are not speculative and result from a service the Company provides to certain loan customers, which the Company began offering during 2011.  The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies.  Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such

transactions.  As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings.  

 

As part of the Valley Bank FDIC-assisted acquisition, the Company acquired seven loans with related interest rate swaps.  Valley’s swap program differed from the Company’s in that Valley did not have back to back swaps with the customer and a counterparty.  Five of the seven acquired loans with interest rate swaps have paid off.  The aggregate notional amount of the two remaining Valley swaps was $633,000 at June 30, 2020.  At June 30, 2020, excluding the Valley Bank swaps, the Company had 20 interest rate swaps totaling $148.6 million in notional amount with commercial customers, and 20 interest rate swaps with the same aggregate notional amount with third parties related to its program.  In addition, the Company has four participation loans purchased totaling $27.9 million, in which the lead institution has an interest rate swap with its customer and the economics of the counterparty swap are passed along to the Company through the loan participation.  At December 31, 2019, excluding the Valley Bank swaps, the Company had 19 interest rate swaps totaling $96.0 million in notional amount with commercial customers, and 19 interest rate swaps with the same notional amount with third parties related to its program.  During the three months ended June 30, 2020 and 2019, the Company recognized net losses of $106,000 and $44,000, respectively, in noninterest income related to changes in the fair value of these swaps.  During the six months ended June 30, 2020 and 2019, the Company recognized net losses of $514,000 and $68,000, respectively, in noninterest income related to changes in the fair value of these swaps.

 

Cash Flow Hedges

 

Interest Rate Swap.  As a strategy to maintain acceptable levels of exposure to the risk of changes in future cash flows due to interest rate fluctuations, in October 2018, the Company entered into an interest rate swap transaction as part of its ongoing interest rate management strategies to hedge the risk of its floating rate loans. The notional amount of the swap was $400 million with a termination date of October 6, 2025. Under the terms of the swap, the Company received a fixed rate of interest of 3.018% and paid a floating rate of interest equal to one-month USD-LIBOR. The floating rate reset monthly and net settlements of interest due to/from the counterparty also occurred monthly. To the extent that the fixed rate of interest exceeded one-month USD-LIBOR, the Company received net interest settlements which were recorded as loan interest income. If USD-LIBOR exceeded the fixed rate of interest in future periods, the Company was required to pay net settlements to the counterparty and recorded those net payments as a reduction of interest income on loans. The Company recorded loan interest income of $2.0 million and $568,000 on this interest rate swap during the three months ended June 30, 2020 and 2019, respectively. The Company recorded loan interest income of $3.6 million and $1.1 million on this interest rate swap during the six months ended June 30, 2020 and 2019, respectively. The effective portion of the gain or loss on the derivative is reported as a component of other comprehensive income and reclassified into earnings in the same period or periods during which the hedged transaction affected earnings. Gains and losses on the derivative representing either hedge ineffectiveness or hedge components excluded from the assessment of effectiveness are recognized in current earnings. During each of the three and six months ended June 30, 2020 and 2019, the Company recognized no noninterest income related to changes in the fair value of this derivative.

 

On March 2, 2020, the Company and its swap counterparty mutually agreed to terminate the swap, effective immediately.  The Company received a payment of $45.9 million, including accrued but unpaid interest, from its swap counterparty as a result of this termination.  This $45.9 million, less the accrued interest portion and net of deferred income taxes, is reflected in the Company’s stockholders’ equity as Accumulated Other Comprehensive Income and a portion of it will be accreted to interest income on loans monthly through the original contractual termination date of October 6, 2025.  This will have the effect of reducing Accumulated Other Comprehensive Income and increasing Net Interest Income and Retained Earnings over the period. In each quarterly period, commencing with the quarter ended June 30, 2020, until the original contract termination date, the Company expects to record loan interest income related to this swap transaction of approximately $2.0 million, based on the termination value of the swap.

 

The following table presents the effect of cash flow hedge accounting on the statements of comprehensive income:  

 

 

 

Amount of Gain (Loss)

 

 

Recognized in AOCI

 

 

Three Months Ended June 30,

Cash Flow Hedges

 

2020

 

 

2019

 

 

(In Thousands)

 

 

Interest rate swap, net of income taxes

$

(1,564)  

 

$

8,528

 

 

 

 

 

 

 

 

Amount of Gain (Loss)

 

 

Recognized in AOCI

 

 

Six Months Ended June 30,

Cash Flow Hedges

 

2020

 

 

2019

 

 

(In Thousands)

 

 

Interest rate swap, net of income taxes

$

9,852  

 

$

14,328

 

 

 

 

 

 

 

The following table presents the effect of cash flow hedge accounting on the statements of income:  

 

 

Three Months Ended June 30,

Cash Flow Hedges

2020

2019

 

Interest

Interest

Interest

Interest

 

Income

Expense

Income

Expense

 

(In Thousands)

Interest rate swap

$         2,025

$     -

$          568

$      -  

 

 

 

 

 

 

 

Six Months Ended June 30,

Cash Flow Hedges

2020

2019

 

Interest

Interest

Interest

Interest

 

Income

Expense

Income

Expense

 

(In Thousands)

Interest rate swap

$         3,581

$     -

$      1,081

$      -  

 

 

 

 

 

 

Agreements with Derivative Counterparties

 

The Company has agreements with its derivative counterparties. If the Company defaults on any of its indebtedness, including a default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. If the Bank fails to maintain its status as a well-capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements. Similarly, the Company could be required to settle its obligations under certain of its agreements if certain regulatory events occurred, such as the issuance of a formal directive, or if the Company’s credit rating is downgraded below a specified level.

 

At June 30, 2020, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $7.3 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At June 30, 2020, the Company’s activity with two of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be given by the Company) and the Company had posted collateral totaling $7.0 million to the derivative counterparties to satisfy the loan level agreements. If the Company had breached any of these provisions at June 30, 2020 or December 31, 2019, it could have been required to settle its obligations under the agreements at the termination value.

 

At December 31, 2019, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $1.1 million. In addition, as of December 31, 2019, the termination value of derivatives with our derivative dealer counterparty (related to the balance sheet hedge commenced in October 2018) in a net asset position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $30.1 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At December 31, 2019, the Company’s activity with one of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be received by the Company) and the derivative counterparties had posted collateral of $30.9 million to the Company to satisfy the balance sheet hedge agreement. Additionally, the Company’s activity with one of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be given by the Company) and the Company had posted collateral of $1.1 million to the derivative counterparties to satisfy the loan level agreements. If the Company had breached any of these provisions at December 31, 2019, it could have been required to settle its obligations under the agreements at the termination value.

 

XML 35 R25.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 1: BASIS OF PRESENTATION: Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies

The accompanying unaudited interim consolidated financial statements of Great Southern Bancorp, Inc. (the "Company" or "Great Southern") have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. The financial statements presented herein reflect all adjustments which are, in the opinion of management, necessary to fairly present the financial condition, results of operations, changes in stockholders’ equity and cash flows of the Company as of the dates and for the periods presented. Those adjustments consist only of normal recurring adjustments. Operating results for the three and six months ended June 30, 2020 are not necessarily indicative of the results that may be expected for the full year. The consolidated statement of financial condition of the Company as of December 31, 2019, has been derived from the audited consolidated statement of financial condition of the Company as of that date.  Certain prior period amounts have been reclassified to conform to the current period presentation.  These reclassifications had no effect on net income.

 

Certain information and note disclosures normally included in the Company's annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted. These condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended December 31, 2019 filed with the Securities and Exchange Commission.

XML 36 R26.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 2: NATURE OF OPERATIONS AND OPERATING SEGMENTS: Segment Reporting, Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Segment Reporting, Policy

The Company’s banking operation is its only reportable segment.  The banking operation is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans by attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others.  The operating results of this segment are regularly reviewed by management to make decisions about resource allocations and to assess performance.  Selected information is not presented separately for the Company’s reportable segment, as there is no material difference between that information and the corresponding information in the consolidated financial statements.

XML 37 R27.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 4: EARNINGS PER SHARE: Earnings Per Share, Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Earnings Per Share, Policy

Options outstanding at June 30, 2020 and 2019, to purchase 653,794 and 309,000 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the three month periods because the exercise prices of such options were greater than the average market prices of the common stock for the three months ended June 30, 2020 and 2019, respectively.  Options outstanding at June 30, 2020 and 2019, to purchase 565,401 and 309,000 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the six month periods because the exercise prices of such options were greater than the average market prices of the common stock for the six months ended June 30, 2020 and 2019, respectively.  

XML 38 R28.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 5: INVESTMENT SECURITIES: Investment, Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Investment, Policy

There were no securities classified as held to maturity at June 30, 2020 or December 31, 2019.

 

Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at June 30, 2020 and December 31, 2019, was approximately $504,000 and $116.2 million, respectively, which is approximately 0.1% and 31.1% of the Company’s available-for-sale investment portfolio, respectively.

 

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

XML 39 R29.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Loan Portfolio Credit Quality Internal Grading System Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Loan Portfolio Credit Quality Internal Grading System Policy

The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” “Special Mention,” “Substandard” and “Doubtful.”  Loans classified as watch are being monitored because of indications of potential weaknesses or deficiencies that may require future classification as special mention or substandard.  Special mention loans possess potential weaknesses that deserve management’s close attention but do not expose the Bank to a degree of risk that warrants substandard classification.  Substandard loans are characterized by the distinct possibility that the Bank will sustain some loss if certain deficiencies are not corrected.  Doubtful loans are those having all the weaknesses inherent to those classified Substandard with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing

facts, conditions and values, highly questionable and improbable.  Loans not meeting any of the criteria previously described are considered satisfactory.  The FDIC-assisted acquired loans are evaluated using this internal grading system. These loans are accounted for in pools.  Minimal adverse classification in these acquired loan pools was identified as of June 30, 2020 and December 31, 2019, respectively.  See Note 7 for further discussion of the acquired loan pools and the termination of the loss sharing agreements.

 

The Company evaluates the loan risk internal grading system definitions and allowance for loan loss methodology on an ongoing basis.  The general component of the allowance for loan losses is affected by several factors, including, but not limited to, average historical losses, average life of the loans, current composition of the loan portfolio, current and expected economic conditions, collateral values and internal risk ratings.  Management considers all these factors in determining the adequacy of the Company’s allowance for loan losses.  In early 2018, we expanded our loan risk rating system to allow for further segregation of satisfactory credits.  No significant changes were made to the allowance for loan loss methodology during the year ended December 31, 2019 or the six months ended June 30, 2020.  However, the deterioration of economic conditions that occurred in the six months ended June 30, 2020 and was expected to continue thereafter was a significant factor in the determination of the allowance for loan losses.

XML 40 R30.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Business Combinations Policy (Policies)
6 Months Ended
Jun. 30, 2020
TeamBank  
Business Combinations Policy

On March 20, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the Federal Deposit Insurance Corporation (FDIC) to assume all of the deposits (excluding brokered deposits) and acquire certain assets of TeamBank, N.A., a full service commercial bank headquartered in Paola, Kansas.  The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.

Vantus Bank  
Business Combinations Policy

On September 4, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Vantus Bank, a full service thrift headquartered in Sioux City, Iowa. The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.

Sun Security Bank  
Business Combinations Policy

On October 7, 2011, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Sun Security Bank, a full service bank headquartered in Ellington, Missouri. The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.

InterBank  
Business Combinations Policy

On April 27, 2012, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Inter Savings Bank, FSB (“InterBank”), a full service bank headquartered in Maple Grove, Minnesota. The related loss sharing agreement was terminated early, effective June 9, 2017, by mutual agreement of Great Southern Bank and the FDIC.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.

Valley Bank  
Business Combinations Policy

On June 20, 2014, Great Southern Bank entered into a purchase and assumption agreement with the FDIC to purchase a substantial portion of the loans and investment securities, as well as certain other assets, and assume all of the deposits, as well as certain other liabilities, of Valley Bank, a full-service bank headquartered in Moline, Illinois, with significant operations in Iowa.  This transaction did not include a loss sharing agreement.  Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.

XML 41 R31.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Business Acquisition Fair Value and Expected Cash Flows Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Business Acquisition Fair Value and Expected Cash Flows Policy

Fair Value and Expected Cash Flows.  At the time of these acquisitions, the Company determined the fair value of the loan portfolios based on several assumptions. Factors considered in the valuations were projected cash flows for the loans, type of loan and related collateral, classification status, fixed or variable interest rate, term of loan, current discount rates and whether or not the loan was amortizing. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. Management also estimated the amount of credit losses that were expected to be realized for the loan portfolios. The discounted cash flow approach was used to value each pool of loans. For non-performing loans, fair value was estimated by calculating the present value of the recoverable cash flows using a discount rate based on comparable corporate bond rates.

 

The amount of the estimated cash flows expected to be received from the acquired loan pools in excess of the fair values recorded for the loan pools is referred to as the accretable yield.  The accretable yield is recognized as interest income over the estimated lives of the loans.  The Company continues to evaluate the fair value of the loans including cash flows expected to be collected.  Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses.  During the three months ended June 30, 2020 and 2019, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $0 and $3.7 million, respectively, to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis.  During the six months ended June 30, 2020 and 2019, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $0 and $5.3 million, respectively, to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis.  

 

Because the balance of these adjustments to accretable yield will be recognized generally over the remaining lives of the loan pools, they will impact future periods as well.  As of June 30, 2020, the remaining accretable yield adjustment that will affect interest income is $4.2 million.  Of the remaining adjustments affecting interest income, we expect to recognize $2.2 million of interest income during the remainder of 2020.  

XML 42 R32.htm IDEA: XBRL DOCUMENT v3.20.2
Note 9: Premises and Equipment: Lessee, Operating Lease, Disclosure (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Lessee, Operating Lease, Disclosure

Leases.  The Company adopted ASU 2016-02, Leases (Topic 842), on January 1, 2019, using the modified retrospective transition approach whereby comparative periods were not restated.  The Company also elected certain relief options under the

ASU, including the option not to recognize right of use asset and lease liabilities that arise from short-term leases (leases with terms of twelve months or less).   Adoption of this ASU resulted in the Company initially recognizing a right of use asset and corresponding lease liability of $9.5 million during the three months ended March 31, 2019.  The amount of the right of use asset and corresponding lease liability will fluctuate based on the Company’s lease terminations, new leases and lease modifications and renewals. As of June 30, 2020, the lease right to use asset value was $9.0 million and the corresponding lease liability was $9.1 million.

 

All of our leases are classified as operating leases (as they were prior to January 1, 2019), and therefore were previously not recognized on the Company’s consolidated statements of financial condition.  With the adoption of ASU 2016-02, these operating leases are now included as a right of use asset in the premises and equipment line item on the Company’s consolidated statements of financial condition.  The corresponding lease liability is included in the accrued expenses and other liabilities line item on the Company’s consolidated statements of financial condition.  Because these leases are classified as operating leases, the adoption of the new standard did not have a material effect on lease expense on the Company’s consolidated statements of income.

 

ASU 2016-02 provides a number of optional practical expedients in transition. The Company has elected the “package of practical expedients,” which permits the Company not to reassess under the new standard the prior conclusions about lease identification, lease classification and initial direct costs. The Company also elected the use of the hindsight, a practical expedient which permits the use of information available after lease inception to determine the lease term via the knowledge of renewal options exercised not available as of the lease’s inception.  The practical expedient pertaining to land easements is not applicable to the Company.  

 

ASU 2016-02 also requires certain other accounting elections.  The Company elected the short-term lease recognition exemption for all leases that qualify, meaning those with terms under twelve months.  Right of use assets or lease liabilities are not to be recognized for short-term leases. The Company also elected the practical expedient to not separate lease and non-lease components for all leases.   The Company’s short-term leases related to offsite ATMs have both fixed and variable lease payment components, based on the number of transactions at the various ATMs.  The variable portion of these lease payments is not material and the total lease expense related to ATMs for the three months ended June 30, 2020 and 2019 was $65,000 and $76,000, respectively. The total lease expense related to ATMs for the six months ended June 30, 2020 and 2019, was $126,000 and $149,000, respectively.

 

The calculated amounts of the right of use assets and lease liabilities in the table below are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew the extended term in the calculation of the right of use asset and lease liability. Regarding the discount rate, the ASU requires the use of the rate implicit in the lease at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the right of use asset and lease liability.  Regarding the discount rate, the ASU requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception over a similar term. The discount rate utilized was the FHLBank borrowing rate for the term corresponding to the expected term of the lease.  The remaining expected lease terms range from 2.8 years to 18.4 years with a weighted-average lease term of 9.5 years.  The weighted-average discount rate was 3.24%.

XML 43 R33.htm IDEA: XBRL DOCUMENT v3.20.2
Note 14: Income Taxes: Income Tax, Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Income Tax, Policy

The Company and its consolidated subsidiaries have not been audited recently by the Internal Revenue Service (IRS), except as described here.  The Company, through one of its subsidiaries, is a partner in two partnerships which were under IRS examination for 2006 and 2007.  As a result, the Company’s 2006 and subsequent tax years remained open for examination. The examinations of these partnerships were completed during 2019.  The completion of these examinations did not result in significant changes to the Company’s tax positions.  As a result, federal tax years through December 31, 2015 are now closed.

 

The Company is currently under State of Missouri income and franchise tax examinations for its 2014 and 2015 tax years.  The Company does not currently expect significant adjustments to its financial statements from this state examination.

XML 44 R34.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Measurement, Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Fair Value Measurement, Policy

ASC Topic 820, Fair Value Measurements, defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.  Topic 820 also specifies a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.  The standard describes three levels of inputs that may be used to measure fair value:

 

·Quoted prices in active markets for identical assets or liabilities (Level 1): Inputs that are quoted unadjusted prices in active markets for identical assets that the Company has the ability to access at the measurement date. An active market for the asset is a market in which transactions for the asset or liability occur with sufficient frequency and volume to provide pricing information on an ongoing basis. 

 

·Other observable inputs (Level 2): Inputs that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from sources independent of the reporting entity including quoted prices for similar assets, quoted prices for securities in inactive markets and inputs derived principally from or corroborated by observable market data by correlation or other means. 

 

·Significant unobservable inputs (Level 3): Inputs that reflect assumptions of a source independent of the reporting entity or the reporting entity's own assumptions that are supported by little or no market activity or observable inputs. 

 

Financial instruments are broken down by recurring or nonrecurring measurement status. Recurring assets are initially measured at fair value and are required to be remeasured at fair value in the financial statements at each reporting date. Assets measured on a nonrecurring basis are assets that, due to an event or circumstance, were required to be remeasured at fair value after initial recognition in the financial statements at some time during the reporting period.

 

The Company considers transfers between the levels of the hierarchy to be recognized at the end of related reporting periods.  From December 31, 2019 to June 30, 2020, no assets for which fair value is measured on a recurring basis transferred between any levels of the hierarchy.

XML 45 R35.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Loans Held for Sale Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Fair Value Loans Held for Sale Policy

Loans Held for Sale.  Mortgage loans held for sale are recorded at the lower of carrying value or fair value.  The fair value of mortgage loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics.  As such, the Company classifies mortgage loans held for sale as Nonrecurring Level 2.  Write-downs to fair value typically do not occur as the Company generally enters into commitments to sell individual mortgage loans at the time the loan is originated to reduce market risk.  The Company typically does not have commercial loans held for sale.  At June 30, 2020 and December 31, 2019, the aggregate fair value of mortgage loans held for sale exceeded their cost.  Accordingly, no mortgage loans held for sale were marked down and reported at fair value.

XML 46 R36.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Impaired Loans Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Fair Value Impaired Loans Policy

Impaired Loans.  A loan is considered to be impaired when it is probable that all of the principal and interest due may not be collected according to its contractual terms. Generally, when a loan is considered impaired, the amount of reserve required under FASB ASC 310, Receivables, is measured based on the fair value of the underlying collateral. The Company makes such measurements on all material loans deemed impaired using the fair value of the collateral for collateral dependent loans. The fair value of collateral used by the Company is determined by obtaining an observable market price or by obtaining an appraised value from an independent, licensed or certified appraiser, using observable market data. This data includes information such as selling price of similar properties and capitalization rates of similar properties sold within the market, expected future cash flows or earnings of the subject property based on current market expectations, and other relevant factors. All appraised values are adjusted for market-related trends based on the Company’s experience in sales and other appraisals of similar property types as well as estimated selling costs.  Each quarter, management reviews all collateral dependent impaired loans on a loan-by-loan basis to determine whether updated appraisals are necessary based on loan performance, collateral type and guarantor support.  At times, the Company measures the fair value of collateral dependent impaired loans using appraisals with dates more than one year prior to the date of review.  These appraisals are discounted by applying current, observable market data about similar property types such as sales contracts, estimations of value by individuals familiar with the market, other appraisals, sales or collateral assessments based on current market activity until updated appraisals are obtained.  Depending on the length of time since an appraisal was performed and the data provided through our reviews, these appraisals are typically discounted 10-40%.  The policy described above is the same for all types of collateral dependent impaired loans.

 

The Company records impaired loans as Nonrecurring Level 3. If a loan’s fair value as estimated by the Company is less than its carrying value, the Company either records a charge-off of the portion of the loan that exceeds the fair value or establishes a reserve within the allowance for loan losses specific to the loan.  Loans for which such charge-offs or reserves were recorded during the six months ended June 30, 2020 or the year ended December 31, 2019, are shown in the table above (net of reserves).

XML 47 R37.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Foreclosed Assets Held for Sale Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Fair Value Foreclosed Assets Held for Sale Policy

Foreclosed Assets Held for Sale.  Foreclosed assets held for sale are initially recorded at fair value less estimated cost to sell at the date of foreclosure.  Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell.  Foreclosed assets held for sale are classified within Level 3 of the fair value hierarchy.  The foreclosed assets represented in the table above have been re-measured during the six months ended June 30, 2020 or the year ended December 31, 2019, subsequent to their initial transfer to foreclosed assets.

XML 48 R38.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Financial Instruments Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Fair Value Financial Instruments Policy

Fair Value of Financial Instruments

 

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

XML 49 R39.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Cash and Cash Equivalents and Federal home Loan Bank Stock Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Fair Value Cash and Cash Equivalents and Federal home Loan Bank Stock Policy

Cash and Cash Equivalents and Federal Home Loan Bank Stock. The carrying amount approximates fair value.

XML 50 R40.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Loans and Interest Receivable Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Fair Value Loans and Interest Receivable Policy

Loans and Interest Receivable.  The fair value of loans is estimated on an exit price basis incorporating contractual cash flows, prepayments, discount spreads, credit losses and liquidity premiums.  Loans with similar characteristics were aggregated for purposes of the calculations.  The carrying amount of accrued interest receivable approximates its fair value.      

XML 51 R41.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Deposits and Accrued Interest Payable Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Fair Value Deposits and Accrued Interest Payable Policy

Deposits and Accrued Interest Payable.  The fair value of demand deposits and savings accounts is the amount payable on demand at the reporting date, i.e., their carrying amounts.  The fair value of fixed maturity certificates of deposit is estimated through a discounted cash flow calculation using the average advances yield curve from 11 districts of the FHLB for the as of date.  The carrying amount of accrued interest payable approximates its fair value.

XML 52 R42.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Short Term Borrowings Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Fair Value Short Term Borrowings Policy

Short-Term Borrowings.  The carrying amount approximates fair value.

XML 53 R43.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Subordinated Debentures Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Fair Value Subordinated Debentures Policy

Subordinated Debentures Issued to Capital Trusts.  The subordinated debentures have floating rates that reset quarterly.  The carrying amount of these debentures approximates their fair value.

XML 54 R44.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Subordinated Notes Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Subordinated Notes Policy

Subordinated Notes.  The fair values used by the Company are obtained from independent sources and are derived from quoted market prices of the Company’s subordinated notes and quoted market prices of other subordinated debt instruments with similar characteristics.

XML 55 R45.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Commitments to Originate Loans, Letters of Credit and Lines of Credit Policy (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Fair Value Commitments to Originate Loans, Letters of Credit and Lines of Credit Policy

Commitments to Originate Loans, Letters of Credit and Lines of Credit.  The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties.  For fixed rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates.  The fair value of letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date.

XML 56 R46.htm IDEA: XBRL DOCUMENT v3.20.2
Note 16: Derivatives and Hedging Activities: Risk Management Objective of Using Derivatives (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Risk Management Objective of Using Derivatives

The Company is exposed to certain risks arising from both its business operations and economic conditions.  The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities.  The Company manages economic risks, including interest rate, liquidity and credit risk, primarily by managing the amount, sources and duration of its assets and liabilities.  In the normal course of business, the Company may use derivative financial instruments (primarily interest rate swaps) from time to time to assist in its interest rate risk management.  The Company has interest rate derivatives that result from a service provided to certain qualifying loan customers that are not used to manage interest rate risk in the Company’s assets or liabilities and are not designated in a qualifying hedging relationship.  The Company manages a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions.  In addition, the Company has interest rate derivatives that are designated in a qualified hedging relationship.  

XML 57 R47.htm IDEA: XBRL DOCUMENT v3.20.2
Note 16: Derivatives and Hedging Activities: Nondesignated Hedges (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Nondesignated Hedges

The Company has interest rate swaps that are not designated as qualifying hedging relationships.  Derivatives not designated as hedges are not speculative and result from a service the Company provides to certain loan customers, which the Company began offering during 2011.  The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies.  Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such

transactions.  As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings.  

 

As part of the Valley Bank FDIC-assisted acquisition, the Company acquired seven loans with related interest rate swaps.  Valley’s swap program differed from the Company’s in that Valley did not have back to back swaps with the customer and a counterparty.  Five of the seven acquired loans with interest rate swaps have paid off.  The aggregate notional amount of the two remaining Valley swaps was $633,000 at June 30, 2020.  At June 30, 2020, excluding the Valley Bank swaps, the Company had 20 interest rate swaps totaling $148.6 million in notional amount with commercial customers, and 20 interest rate swaps with the same aggregate notional amount with third parties related to its program.  In addition, the Company has four participation loans purchased totaling $27.9 million, in which the lead institution has an interest rate swap with its customer and the economics of the counterparty swap are passed along to the Company through the loan participation.  At December 31, 2019, excluding the Valley Bank swaps, the Company had 19 interest rate swaps totaling $96.0 million in notional amount with commercial customers, and 19 interest rate swaps with the same notional amount with third parties related to its program.  During the three months ended June 30, 2020 and 2019, the Company recognized net losses of $106,000 and $44,000, respectively, in noninterest income related to changes in the fair value of these swaps.  During the six months ended June 30, 2020 and 2019, the Company recognized net losses of $514,000 and $68,000, respectively, in noninterest income related to changes in the fair value of these swaps.

XML 58 R48.htm IDEA: XBRL DOCUMENT v3.20.2
Note 16: Derivatives and Hedging Activities: Cash Flow Hedges (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Cash Flow Hedges

Interest Rate Swap.  As a strategy to maintain acceptable levels of exposure to the risk of changes in future cash flows due to interest rate fluctuations, in October 2018, the Company entered into an interest rate swap transaction as part of its ongoing interest rate management strategies to hedge the risk of its floating rate loans. The notional amount of the swap was $400 million with a termination date of October 6, 2025. Under the terms of the swap, the Company received a fixed rate of interest of 3.018% and paid a floating rate of interest equal to one-month USD-LIBOR. The floating rate reset monthly and net settlements of interest due to/from the counterparty also occurred monthly. To the extent that the fixed rate of interest exceeded one-month USD-LIBOR, the Company received net interest settlements which were recorded as loan interest income. If USD-LIBOR exceeded the fixed rate of interest in future periods, the Company was required to pay net settlements to the counterparty and recorded those net payments as a reduction of interest income on loans. The Company recorded loan interest income of $2.0 million and $568,000 on this interest rate swap during the three months ended June 30, 2020 and 2019, respectively. The Company recorded loan interest income of $3.6 million and $1.1 million on this interest rate swap during the six months ended June 30, 2020 and 2019, respectively. The effective portion of the gain or loss on the derivative is reported as a component of other comprehensive income and reclassified into earnings in the same period or periods during which the hedged transaction affected earnings. Gains and losses on the derivative representing either hedge ineffectiveness or hedge components excluded from the assessment of effectiveness are recognized in current earnings. During each of the three and six months ended June 30, 2020 and 2019, the Company recognized no noninterest income related to changes in the fair value of this derivative.

 

On March 2, 2020, the Company and its swap counterparty mutually agreed to terminate the swap, effective immediately.  The Company received a payment of $45.9 million, including accrued but unpaid interest, from its swap counterparty as a result of this termination.  This $45.9 million, less the accrued interest portion and net of deferred income taxes, is reflected in the Company’s stockholders’ equity as Accumulated Other Comprehensive Income and a portion of it will be accreted to interest income on loans monthly through the original contractual termination date of October 6, 2025.  This will have the effect of reducing Accumulated Other Comprehensive Income and increasing Net Interest Income and Retained Earnings over the period. In each quarterly period, commencing with the quarter ended June 30, 2020, until the original contract termination date, the Company expects to record loan interest income related to this swap transaction of approximately $2.0 million, based on the termination value of the swap.

XML 59 R49.htm IDEA: XBRL DOCUMENT v3.20.2
Note 16: Derivatives and Hedging Activities: Agreements with Derivative Counterparties (Policies)
6 Months Ended
Jun. 30, 2020
Policies  
Agreements with Derivative Counterparties

The Company has agreements with its derivative counterparties. If the Company defaults on any of its indebtedness, including a default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. If the Bank fails to maintain its status as a well-capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements. Similarly, the Company could be required to settle its obligations under certain of its agreements if certain regulatory events occurred, such as the issuance of a formal directive, or if the Company’s credit rating is downgraded below a specified level.

 

At June 30, 2020, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $7.3 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At June 30, 2020, the Company’s activity with two of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be given by the Company) and the Company had posted collateral totaling $7.0 million to the derivative counterparties to satisfy the loan level agreements. If the Company had breached any of these provisions at June 30, 2020 or December 31, 2019, it could have been required to settle its obligations under the agreements at the termination value.

 

At December 31, 2019, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $1.1 million. In addition, as of December 31, 2019, the termination value of derivatives with our derivative dealer counterparty (related to the balance sheet hedge commenced in October 2018) in a net asset position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $30.1 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At December 31, 2019, the Company’s activity with one of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be received by the Company) and the derivative counterparties had posted collateral of $30.9 million to the Company to satisfy the balance sheet hedge agreement. Additionally, the Company’s activity with one of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be given by the Company) and the Company had posted collateral of $1.1 million to the derivative counterparties to satisfy the loan level agreements. If the Company had breached any of these provisions at December 31, 2019, it could have been required to settle its obligations under the agreements at the termination value.

XML 60 R50.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 4: EARNINGS PER SHARE: Schedule of Earnings Per Share, Basic and Diluted (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule of Earnings Per Share, Basic and Diluted

 

 

Three Months Ended June 30,

 

2020

 

2019

 

(In Thousands, Except Per Share Data)

 

 

 

Basic:

 

 

 

 

 

Average common shares outstanding

 

14,084

 

 

14,192

Net income and net income available to common stockholders

$

13,203

 

$

18,375

Per common share amount

$

0.94

 

$

1.29

 

 

 

 

 

 

Diluted:

 

 

 

 

 

Average common shares outstanding

 

14,084

 

 

14,192

Net effect of dilutive stock options – based on the treasury

 

 

 

 

 

stock method using average market price

 

40

 

 

122

Diluted common shares

 

14,124

 

 

14,314

Net income and net income available to common stockholders

$

13,203

 

$

18,375

Per common share amount

$

0.93

 

$

1.28

 

 

Six Months Ended June 30,

 

2020

 

2019

 

(In Thousands, Except Per Share Data)

 

 

 

Basic:

 

 

 

 

 

Average common shares outstanding

 

14,153

 

 

14,176

Net income and net income available to common stockholders

$

28,071

 

$

35,988

Per common share amount

$

1.98

 

$

2.54

 

 

 

 

 

 

Diluted:

 

 

 

 

 

Average common shares outstanding

 

14,153

 

 

14,176

Net effect of dilutive stock options – based on the treasury

 

 

 

 

 

stock method using average market price

 

56

 

 

122

Diluted common shares

 

14,209

 

 

14,298

Net income and net income available to common stockholders

$

28,071

 

$

35,988

Per common share amount

$

1.98

 

$

2.52

 

XML 61 R51.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 5: INVESTMENT SECURITIES: Investment Securities (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Investment Securities

 

 

 

June 30, 2020

 

 

 

 

 

Gross

 

 

Gross

 

 

 

 

 

Amortized

 

 

Unrealized

 

 

Unrealized

 

 

Fair

 

 

Cost

 

 

Gains

 

 

Losses

 

 

Value

 

 

(In Thousands)

 

 

 

 

 

 

 

AVAILABLE-FOR-SALE SECURITIES:

 

 

 

 

 

 

 

 

 

 

 

Agency mortgage-backed securities

$

153,376

 

$

20,646

 

$

 

$

174,022

Agency collateralized mortgage obligations

 

169,607

 

 

10,226

 

 

 

 

179,833

States and political subdivisions

 

69,203

 

 

2,002

 

 

 

 

71,203

Small Business Administration securities

 

21,126

 

 

751

 

 

 

 

21,877

$

413,312

 

$

33,625

 

$

 

$

446,935

 

 

 

December 31, 2019

 

 

 

 

 

Gross

 

 

Gross

 

 

 

 

 

Amortized

 

 

Unrealized

 

 

Unrealized

 

 

Fair

 

 

Cost

 

 

Gains

 

 

Losses

 

 

Value

 

 

(In Thousands)

 

 

 

 

 

 

 

AVAILABLE-FOR-SALE SECURITIES:

 

 

 

 

 

 

 

 

 

 

 

Agency mortgage-backed securities

$

156,591

 

$

8,716

 

$

265

 

$

165,042

Agency collateralized mortgage obligations

 

149,980

 

 

2,891

 

 

921

 

 

151,950

States and political subdivisions

 

33,757

 

 

1,368

 

 

-

 

 

35,125

Small Business Administration securities

 

22,132

 

 

-   

 

 

74

 

 

22,058

$

362,460

 

$

12,975

 

$

1,260

 

$

374,175

 

 

 

 

 

 

 

 

 

 

 

 

 

XML 62 R52.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 5: INVESTMENT SECURITIES: Investments Classified by Contractual Maturity Date (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Investments Classified by Contractual Maturity Date

 

 

 

Amortized

 

 

Fair

 

 

Cost

 

 

Value

 

 

(In Thousands)

 

 

 

 

 

 

One year or less

$

-

 

$

-

After one through five years

 

-

 

 

-

After five through ten years

 

12,572

 

 

13,172

After ten years

 

56,631

 

 

58,031

Securities not due on a single maturity date

 

344,109

 

 

375,732

 

 

 

 

 

 

 

$

413,312

 

$

446,935

 

XML 63 R53.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 5: INVESTMENT SECURITIES: Unrealized Gain (Loss) on Investments (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Unrealized Gain (Loss) on Investments

 

 

 

June 30, 2020

 

 

Less than 12 Months

 

 

12 Months or More

 

 

Total

 

 

Fair

 

 

Unrealized

 

 

Fair

 

 

Unrealized

 

 

Fair

 

 

Unrealized

Description of Securities

 

Value

 

 

Losses

 

 

Value

 

 

Losses

 

 

Value

 

 

Losses

 

 

(In Thousands)

 

 

 

 

 

 

States and political subdivisions

$

504

 

$

(2)

 

$

-

 

$

-

 

$

504

 

$

(2)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

504

 

$

(2)

 

$

-

 

$

-

 

$

504

 

$

(2)

 

 

 

December 31, 2019

 

 

Less than 12 Months

 

 

12 Months or More

 

 

Total

 

 

Fair

 

 

Unrealized

 

 

Fair

 

 

Unrealized

 

 

Fair

 

 

Unrealized

Description of Securities

 

Value

 

 

Losses

 

 

Value

 

 

Losses

 

 

Value

 

 

Losses

 

 

(In Thousands)

 

 

 

 

 

Agency mortgage-backed securities

$

-

 

$

-

 

$

24,762

 

$

(265)

 

$

24,762

 

$

(265)

Agency collateralized mortgage obligations

 

69,372

 

 

(921)

 

 

-

 

 

-

 

 

69,372

 

 

(921)

Small Business Administration securities

 

22,058

 

 

(74)

 

 

-

 

 

-

 

 

22,058

 

 

(74)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

91,430

 

$

(995)

 

$

24,762

 

$

(265)

 

$

116,192

 

$

(1,260)

 

XML 64 R54.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Schedule of Accounts, Notes, Loans and Financing Receivable (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule of Accounts, Notes, Loans and Financing Receivable

 

 

 

June 30,

 

 

December 31,

 

 

 

2020

 

 

2019

 

 

 

(In Thousands)

 

 

One- to four-family residential construction

$

34,376 

 

$

33,963 

 

Subdivision construction

 

13,637 

 

 

16,088 

 

Land development

 

38,646 

 

 

40,431 

 

Commercial construction

 

1,211,294 

 

 

1,322,861 

 

Owner occupied one- to four-family residential

 

463,493 

 

 

387,016 

 

Non-owner occupied one- to four-family residential

 

118,897 

 

 

120,343 

 

Commercial real estate

 

1,532,274 

 

 

1,494,172 

 

Other residential

 

1,024,591 

 

 

866,006 

 

Commercial business

 

441,310 

 

 

313,209 

 

Industrial revenue bonds

 

14,222 

 

 

13,189 

 

Consumer auto

 

113,927 

 

 

151,854 

 

Consumer other

 

42,882 

 

 

46,720 

 

Home equity lines of credit

 

116,293 

 

 

118,988 

 

Loans acquired and accounted for under ASC 310-30, net of discounts

 

110,664 

 

 

127,206 

 

 

5,276,506 

 

 

5,052,046 

 

Undisbursed portion of loans in process

 

(816,783)

 

 

(850,666)

 

Allowance for loan losses

 

(49,801)

 

 

(40,294)

 

Deferred loan fees and gains, net

 

(10,277)

 

 

(7,104)

 

$

4,399,645 

 

$

4,153,982 

 

 

 

 

 

 

 

 

Weighted average interest rate

 

4.34%

 

 

4.97%

 

 

XML 65 R55.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Schedule of Loans Classified by Aging Analysis (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule of Loans Classified by Aging Analysis

 

 

 

June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

> 90 Days

 

 

30-59 Days

 

 

60-89 Days

 

 

90+ Days

 

 

Total

 

 

 

 

 

Loans

 

 

Past Due and

 

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Current

 

 

Receivable

 

 

Still Accruing

 

 

(In Thousands)

One- to four-family

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

residential construction

$

79

 

$

-

 

$

-

 

$

79

 

$

34,297

 

$

34,376

 

$

-

Subdivision construction

 

-

 

 

-

 

 

-

 

 

-

 

 

13,637

 

 

13,637

 

 

-

Land development

 

-

 

 

24

 

 

-

 

 

24

 

 

38,622

 

 

38,646

 

 

-

Commercial construction

 

-

 

 

-

 

 

-

 

 

-

 

 

1,211,294

 

 

1,211,294

 

 

-

Owner occupied one- to

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

four-family residential

 

227

 

 

175

 

 

2,109

 

 

2,511

 

 

460,982

 

 

463,493

 

 

-

Non-owner occupied one-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

to four-family residential

 

224

 

 

28

 

 

279

 

 

531

 

 

118,366

 

 

118,897

 

 

-

Commercial real estate

 

-

 

 

-

 

 

727

 

 

727

 

 

1,531,547

 

 

1,532,274

 

 

-

Other residential

 

-

 

 

-

 

 

-

 

 

-

 

 

1,024,591

 

 

1,024,591

 

 

-

Commercial business

 

-

 

 

-

 

 

1,182

 

 

1,182

 

 

440,128

 

 

441,310

 

 

-

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

 

-

 

 

14,222

 

 

14,222

 

 

-

Consumer auto

 

305

 

 

40

 

 

361

 

 

706

 

 

113,221

 

 

113,927

 

 

-

Consumer other

 

85

 

 

1

 

 

114

 

 

200

 

 

42,682

 

 

42,882

 

 

-

Home equity lines of credit

 

669

 

 

103

 

 

517

 

 

1,289

 

 

115,004

 

 

116,293

 

 

-

Loans acquired and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

accounted for under

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ASC 310-30, net of

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

discounts

 

267

 

 

189

 

 

5,149

 

 

5,605

 

 

105,059

 

 

110,664

 

 

-

 

1,856

 

 

560

 

 

10,438

 

 

12,854

 

 

5,263,652

 

 

5,276,506

 

 

-

Less loans acquired and
accounted for under  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ASC 310-30, net of

discounts

 

267

 

 

189

 

 

5,149

 

 

5,605

 

 

105,059

 

 

110,664

 

 

-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

1,589

 

$

371

 

$

5,289

 

$

7,249

 

$

5,158,593

 

$

5,165,842

 

$

-

 

 

 

 

 

 

 

December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

> 90 Days

 

 

30-59 Days

 

 

60-89 Days

 

 

90+ Days

 

 

Total

 

 

 

 

 

Loans

 

 

Past Due and

 

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Current

 

 

Receivable

 

 

Still Accruing

 

 

(In Thousands)

One- to four-family

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

residential construction

$

-

 

$

-

 

$

-

 

$

-

 

$

33,963

 

$

33,963

 

$

-

Subdivision construction

 

-

 

 

-

 

 

-

 

 

-

 

 

16,088

 

 

16,088

 

 

-

Land development

 

-

 

 

27

 

 

-

 

 

27

 

 

40,404

 

 

40,431

 

 

-

Commercial construction

 

15,085

 

 

-

 

 

-

 

 

15,085

 

 

1,307,776

 

 

1,322,861

 

 

-

Owner occupied one- to

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

four-family residential

 

1,453

 

 

1,631

 

 

1,198

 

 

4,282

 

 

382,734

 

 

387,016

 

 

-

Non-owner occupied one-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

to four-family residential

 

152

 

 

-

 

 

181

 

 

333

 

 

120,010

 

 

120,343

 

 

-

Commercial real estate

 

549

 

 

119

 

 

632

 

 

1,300

 

 

1,492,872

 

 

1,494,172

 

 

-

Other residential

 

376

 

 

-

 

 

-

 

 

376

 

 

865,630

 

 

866,006

 

 

-

Commercial business

 

60

 

 

-

 

 

1,235

 

 

1,295

 

 

311,914

 

 

313,209

 

 

-

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

 

-

 

 

13,189

 

 

13,189

 

 

-

Consumer auto

 

1,101

 

 

259

 

 

558

 

 

1,918

 

 

149,936

 

 

151,854

 

 

-

Consumer other

 

278

 

 

233

 

 

198

 

 

709

 

 

46,011

 

 

46,720

 

 

-

Home equity lines of credit

 

296

 

 

-

 

 

517

 

 

813

 

 

118,175

 

 

118,988

 

 

-

Loans acquired and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

accounted for under

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ASC 310-30, net of

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

discounts

 

2,177

 

 

709

 

 

6,191

 

 

9,077

 

 

118,129

 

 

127,206

 

 

-

 

21,527

 

 

2,978

 

 

10,710

 

 

35,215

 

 

5,016,831

 

 

5,052,046

 

 

-

Less loans acquired and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 accounted for under  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 ASC 310-30, net of

 discounts

 

2,177

 

 

709

 

 

6,191

 

 

9,077

 

 

118,129

 

 

127,206

 

 

-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

19,350

 

$

2,269

 

$

4,519

 

$

26,138

 

$

4,898,702

 

$

4,924,840

 

$

-

 

XML 66 R56.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Nonaccrual (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Financing Receivable, Nonaccrual

 

 

 

June 30,

 

 

 

December 31,

 

 

2020

 

 

 

2019

 

 

(In Thousands)

 

One- to four-family residential construction

$

-

 

 

$

-

Subdivision construction

 

-

 

 

 

-

Land development

 

-

 

 

 

-

Commercial construction

 

-

 

 

 

-

Owner occupied one- to four-family residential

 

2,109

 

 

 

1,198

Non-owner occupied one- to four-family residential

 

279

 

 

 

181

Commercial real estate

 

727

 

 

 

632

Other residential

 

-

 

 

 

-

Commercial business

 

1,182

 

 

 

1,235

Industrial revenue bonds

 

-

 

 

 

-

Consumer auto

 

361

 

 

 

558

Consumer other

 

114

 

 

 

198

Home equity lines of credit

 

517

 

 

 

517

 

 

 

 

 

 

 

Total

$

5,289

 

 

$

4,519

 

XML 67 R57.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Allowance for Credit Loss (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Financing Receivable, Allowance for Credit Loss

 

XML 68 R58.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Financing Receivables (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Impaired Financing Receivables

 

 

 

June 30, 2020

 

 

 

 

 

 

Unpaid

 

 

 

 

 

 

Recorded

 

 

Principal

 

 

Specific

 

 

 

Balance

 

 

Balance

 

 

Allowance

 

 

 

(In Thousands)

 

One- to four-family residential construction

$

-

 

$

-

 

$

-

 

Subdivision construction

 

24

 

 

24

 

 

-

 

Land development

 

-

 

 

-

 

 

-

 

Commercial construction

 

-

 

 

-

 

 

-

 

Owner occupied one- to four-family residential

 

2,751

 

 

3,034

 

 

78

 

Non-owner occupied one- to four-family residential

 

279

 

 

471

 

 

-

 

Commercial real estate

 

3,674

 

 

3,711

 

 

486

 

Other residential

 

-

 

 

-

 

 

-

 

Commercial business

 

1,220

 

 

1,726

 

 

9

 

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

Consumer auto

 

753

 

 

959

 

 

122

 

Consumer other

 

246

 

 

374

 

 

12

 

Home equity lines of credit

 

527

 

 

557

 

 

4

 

 

 

 

 

 

 

 

 

 

 

Total

$

9,474

 

$

10,856

 

$

711

 

 

 

Three Months Ended

June 30, 2020

 

Six Months Ended

June 30, 2020

 

 

Average

 

 

 

 

 

Average

 

 

 

 

 

Investment

 

 

Interest

 

 

Investment

 

 

Interest

 

 

in Impaired

 

 

Income

 

 

in Impaired

 

 

Income

 

 

Loans

 

 

Recognized

 

 

Loans

 

 

Recognized

 

(In Thousands)

 

 

 

 

One- to four-family residential construction

$

-

 

$

-

 

$

-

 

$

-

Subdivision construction

 

170

 

 

1

 

 

209

 

 

3

Land development

 

-

 

 

-

 

 

-

 

 

-

Commercial construction

 

-

 

 

-

 

 

-

 

 

-

Owner occupied one- to four-family residential

 

2,882

 

 

34

 

 

2,702

 

 

80

Non-owner occupied one- to four-family residential

 

418

 

 

5

 

 

425

 

 

11

Commercial real estate

 

3,885

 

 

37

 

 

4,004

 

 

67

Other residential

 

-

 

 

-

 

 

-

 

 

-

Commercial business

 

1,223

 

 

9

 

 

1,243

 

 

25

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

 

-

Consumer auto

 

868

 

 

14

 

 

973

 

 

40

Consumer other

 

265

 

 

6

 

 

276

 

 

16

Home equity lines of credit

 

 500

 

 

 7

 

 

 538

 

 

 19

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

10,211

 

$

113

 

$

10,370

 

$

261

 

 

 

 

 

 

At or for the Year Ended December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

Average

 

 

 

 

 

 

 

 

Unpaid

 

 

 

 

 

Investment

 

 

Interest

 

 

Recorded

 

 

Principal

 

 

Specific

 

 

in Impaired

 

 

Income

 

 

Balance

 

 

Balance

 

 

Allowance

 

 

Loans

 

 

Recognized

 

 

(In Thousands)

One- to four-family residential construction

$

-

 

$

-

 

$

-

 

$

-

 

$

-

Subdivision construction

 

251

 

 

251

 

 

96

 

 

277

 

 

9

Land development

 

-

 

 

-

 

 

-

 

 

328

 

 

101

Commercial construction

 

-

 

 

-

 

 

-

 

 

-

 

 

-

Owner occupied one- to four- family residential

 

2,300

 

 

2,423

 

 

82

 

 

2,598

 

 

131

Non-owner occupied one- to four-family residential

 

409

 

 

574

 

 

20

 

 

954

 

 

43

Commercial real estate

 

4,020

 

 

4,049

 

 

517

 

 

4,940

 

 

264

Other residential

 

-

 

 

-

 

 

-

 

 

-

 

 

-

Commercial business

 

1,286

 

 

1,771

 

 

13

 

 

1,517

 

 

81

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

 

-

 

 

-

Consumer auto

 

1,117

 

 

1,334

 

 

181

 

 

1,128

 

 

125

Consumer other

 

356

 

 

485

 

 

16

 

 

383

 

 

48

Home equity lines of credit

 

528

 

 

548

 

 

4

 

 

362

 

 

37

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

10,267

 

$

11,435

 

$

929

 

$

12,487

 

$

839

 

 

 

June 30, 2019

 

 

 

 

 

 

Unpaid

 

 

 

 

 

 

Recorded

 

 

Principal

 

 

Specific

 

 

 

Balance

 

 

Balance

 

 

Allowance

 

 

 

(In Thousands)

 

One- to four-family residential construction

$

-

 

$

-

 

$

-

 

Subdivision construction

 

261

 

 

261

 

 

100

 

Land development

 

3,556

 

 

3,588

 

 

-

 

Commercial construction

 

-

 

 

-

 

 

-

 

Owner occupied one- to four-family residential

 

2,157

 

 

2,434

 

 

114

 

Non-owner occupied one- to four-family residential

 

764

 

 

944

 

 

22

 

Commercial real estate

 

7,809

 

 

7,834

 

 

555

 

Other residential

 

-

 

 

-

 

 

-

 

Commercial business

 

1,451

 

 

1,918

 

 

470

 

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

Consumer auto

 

1,040

 

 

1,230

 

 

133

 

Consumer other

 

417

 

 

651

 

 

20

 

Home equity lines of credit

 

364

 

 

380

 

 

3

 

 

 

 

 

 

 

 

 

 

 

Total

$

17,819

 

$

19,240

 

$

1,417

 

 

 

 

 

Three Months Ended

June 30, 2019

 

Six Months Ended

June 30, 2019

 

 

Average

 

 

 

 

 

Average

 

 

 

 

 

Investment

 

 

Interest

 

 

Investment

 

 

Interest

 

 

in Impaired

 

 

Income

 

 

in Impaired

 

 

Income

 

 

Loans

 

 

Recognized

 

 

Loans

 

 

Recognized

 

(In Thousands)

 

 

 

 

One- to four-family residential construction

$

-

 

$

-

 

$

-

 

$

-

Subdivision construction

 

280

 

 

3

 

 

293

 

 

5

Land development

 

1,189

 

 

99

 

 

601

 

 

99

Commercial construction

 

-

 

 

-

 

 

-

 

 

-

Owner occupied one- to four-family residential

 

2,839

 

 

20

 

 

3,097

 

 

57

Non-owner occupied one- to four-family residential

 

815

 

 

6

 

 

1,296

 

 

18

Commercial real estate

 

6,349

 

 

86

 

 

5,612

 

 

136

Other residential

 

-

 

 

-

 

 

-

 

 

-

Commercial business

 

1,626

 

 

26

 

 

1,700

 

 

58

Industrial revenue bonds

 

-

 

 

-

 

 

-

 

 

-

Consumer auto

 

1,088

 

 

18

 

 

1,240

 

 

43

Consumer other

 

401

 

 

11

 

 

432

 

 

22

Home equity lines of credit

 

 290

 

 

 10

 

 

 254

 

 

 17

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

14,877

 

$

279

 

$

14,525

 

$

455

 

XML 69 R59.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Troubled Debt Restructuring (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Financing Receivable, Troubled Debt Restructuring

 

 

 

Three Months Ended June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

Interest Only

 

 

      Term      

 

 

Combination

 

 

Modification

 

 

(In Thousands)

Consumer

 

-

 

 

16

 

 

28

 

 

44

$

-

 

$

16

 

$

28

 

$

44

 

 

 

Three Months Ended June 30, 2019

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

Interest Only

 

 

      Term      

 

 

Combination

 

 

Modification

 

 

(In Thousands)

Consumer                                 

$

-

 

$

52

 

$

-

 

$

52

 

 

 

 

 

Six Months Ended June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

Interest Only

 

 

      Term      

 

 

Combination

 

 

Modification

 

 

(In Thousands)

One- to four-family residential

$

-

 

$

-

 

$

130

 

$

130

Consumer

 

-

 

 

16

 

 

76

 

 

92

$

-

 

$

16

 

$

206

 

$

222

 

 

 

Six Months Ended June 30, 2019

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

Interest Only

 

 

      Term      

 

 

Combination

 

 

Modification

 

 

(In Thousands)

Consumer                                 

$

-

 

$

79

 

$

-

 

$

79

 

XML 70 R60.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable Credit Quality Indicators (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Financing Receivable Credit Quality Indicators

 

 

 

June 30, 2020

 

 

 

 

 

 

 

 

Special

 

 

 

 

 

 

 

 

 

 

 

Satisfactory

 

 

Watch

 

 

Mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

 

(In Thousands)

One- to four-family residential

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

construction

$

33,400

 

$

976

 

$

-

 

$

-

 

$

-

 

$

34,376

Subdivision construction

 

13,613

 

 

-

 

 

-

 

 

24

 

 

-

 

 

13,637

Land development

 

38,646

 

 

-

 

 

-

 

 

-

 

 

-

 

 

38,646

Commercial construction

 

1,211,294

 

 

-

 

 

-

 

 

-

 

 

-

 

 

1,211,294

Owner occupied one- to four-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

family residential

 

460,804

 

 

-

 

 

-

 

 

2,689

 

 

-

 

 

463,493

Non-owner occupied one- to

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

four-family residential

 

118,074

 

 

545

 

 

-

 

 

278

 

 

-

 

 

118,897

Commercial real estate

 

1,467,520

 

 

61,080

 

 

-

 

 

3,674

 

 

-

 

 

1,532,274

Other residential

 

1,024,591

 

 

-

 

 

-

 

 

-

 

 

-

 

 

1,024,591

Commercial business

 

429,065

 

 

11,063

 

 

-

 

 

1,182

 

 

-

 

 

441,310

Industrial revenue bonds

 

14,222

 

 

-

 

 

-

 

 

-

 

 

-

 

 

14,222

Consumer auto

 

113,229

 

 

25

 

 

-

 

 

673

 

 

-

 

 

113,927

Consumer other

 

42,548

 

 

88

 

 

-

 

 

246

 

 

-

 

 

42,882

Home equity lines of credit

 

115,735

 

 

41

 

 

-

 

 

517

 

 

-

 

 

116,293

Loans acquired and accounted

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

for under ASC 310-30,  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

net of discounts

 

110,652

 

 

-

 

 

-

 

 

12

 

 

-

 

 

110,664

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

5,193,393

 

$

73,818

 

$

-

 

$

9,295

 

$

-

 

$

5,276,506

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2019

 

 

 

 

 

 

 

 

Special

 

 

 

 

 

 

 

 

 

 

 

Satisfactory

 

 

Watch

 

 

Mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

 

(In Thousands)

One- to four-family residential

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

construction

$

33,963

 

$

-

 

$

-

 

$

-

 

$

-

 

$

33,963

Subdivision construction

 

16,061

 

 

27

 

 

-

 

 

-

 

 

-

 

 

16,088

Land development

 

40,431

 

 

-

 

 

-

 

 

-

 

 

-

 

 

40,431

Commercial construction

 

1,322,861

 

 

-

 

 

-

 

 

-

 

 

-

 

 

1,322,861

Owner occupied one- to-four-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

family residential

 

385,001

 

 

26

 

 

-

 

 

1,989

 

 

-

 

 

387,016

Non-owner occupied one- to-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

four-family residential

 

119,743

 

 

419

 

 

-

 

 

181

 

 

-

 

 

120,343

Commercial real estate

 

1,458,400

 

 

32,063

 

 

-

 

 

3,709

 

 

-

 

 

1,494,172

Other residential

 

866,006

 

 

-

 

 

-

 

 

-

 

 

-

 

 

866,006

Commercial business

 

307,322

 

 

4,651

 

 

-

 

 

1,236

 

 

-

 

 

313,209

Industrial revenue bonds

 

13,189

 

 

-

 

 

-

 

 

-

 

 

-

 

 

13,189

Consumer auto

 

150,874

 

 

47

 

 

-

 

 

933

 

 

-

 

 

151,854

Consumer other

 

46,294

 

 

92

 

 

-

 

 

334

 

 

-

 

 

46,720

Home equity lines of credit

 

118,428

 

 

43

 

 

-

 

 

517

 

 

-

 

 

118,988

Loans acquired and accounted

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

for under ASC 310-30,  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

net of discounts

 

127,192

 

 

-

 

 

-

 

 

14

 

 

-

 

 

127,206

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

5,005,765

 

$

37,368

 

$

-

 

$

8,913

 

$

-

 

$

5,052,046

 

 

XML 71 R61.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: FDIC Indemnification Asset Policy (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
FDIC Indemnification Asset Policy

 

 

 

 

 

 

 

 

 

Sun Security

 

 

 

 

 

 

 

 

 

TeamBank

 

 

Vantus Bank

 

 

Bank

 

 

InterBank

 

 

Valley Bank

 

 

 

(In Thousands)

 

 

 

 

 

 

June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Gross loans receivable

$

6,380 

 

$

8,953 

 

$

15,298 

 

$

52,327 

 

$

33,565 

 

Balance of accretable discount
due to change in expected losses

 

(120)

 

 

(53)

 

 

(251)

 

 

(2,665)

 

 

(1,076)

 

Net carrying value to loans receivable

 

(6,231)

 

 

(8,887)

 

 

(14,919)

 

 

(48,851)

 

 

(31,773)

 

Expected loss remaining

$

29 

 

$

13 

 

$

128 

 

$

811 

 

$

716 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Gross loans receivable

$

7,304 

 

$

9,899 

 

$

17,906 

 

$

60,430 

 

$

41,032 

 

Balance of accretable discount
due to change in expected losses

 

(159)

 

 

(89)

 

 

(374)

 

 

(5,143)

 

 

(1,803)

 

Net carrying value to loans receivable

 

(7,118)

 

 

(9,797)

 

 

(17,392)

 

 

(54,442)

 

 

(38,452)

 

Expected loss remaining

$

27 

 

$

13 

 

$

140 

 

$

845 

 

$

777 

 

 

XML 72 R62.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Impact of Adjustments of Acquired Loans on Financial Results (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule of Impact of Adjustments of Acquired Loans on Financial Results

 

 

 

Three Months Ended

 

 

Three Months Ended

 

 

June 30, 2020

 

 

June 30, 2019

 

 

(In Thousands, Except Per Share Data and Basis Points Data)

 

 

 

 

 

 

 

 

 

 

Impact on net interest income/

 

 

 

 

 

 

 

 

 

net interest margin (in basis points)

$

1,537

12 bps

 

$

1,399

12 bps

Net impact to pre-tax income

$

1,537

 

 

 

$

1,399

 

 

Net impact net of taxes

$

1,187

 

 

 

$

1,080

 

 

Impact to diluted earnings per share

$

0.08

 

 

 

$

0.08

 

 

 

 

 

Six Months Ended

 

 

Six Months Ended

 

 

June 30, 2020

 

 

June 30, 2019

 

 

(In Thousands, Except Per Share Data and Basis Points Data)

 

 

 

 

 

 

 

 

 

 

Impact on net interest income/

 

 

 

 

 

 

 

 

 

net interest margin (in basis points)

$

3,403

14 bps

 

$

2,911

13 bps

Net impact to pre-tax income

$

3,403

 

 

 

$

2,911

 

 

Net impact net of taxes

$

2,627

 

 

 

$

2,247

 

 

Impact to diluted earnings per share

$

0.19

 

 

 

$

0.16

 

 

 

XML 73 R63.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Accretable Yield Changes for Acquired Loans (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule of Accretable Yield Changes for Acquired Loans

 

 

 

 

 

 

 

 

 

Sun Security

 

 

 

 

 

 

 

 

 

TeamBank

 

 

Vantus Bank

 

 

Bank

 

 

InterBank

 

 

Valley Bank

 

 

 

(In Thousands)

 

 

 

 

 

 

Balance, April 1, 2020

$

1,078 

 

$

1,086 

 

$

2,280 

 

$

6,357 

 

$

4,612 

 

Accretion

 

(114)

 

 

(189)

 

 

(266)

 

 

(1,857)

 

 

(833)

 

Change in expected accretable yield(1)

 

(46)

 

 

57 

 

 

(121)

 

 

752 

 

 

344 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, June 30, 2020

$

918 

 

$

954 

 

$

1,893 

 

$

5,252 

 

$

4,123 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, April 1, 2019

$

1,399 

 

$

1,302 

 

$

2,444 

 

$

7,948 

 

$

4,329 

 

Accretion

 

(180)

 

 

(261)

 

 

(340)

 

 

(1,951)

 

 

(1,132)

 

Change in expected accretable yield(1)

 

131 

 

 

186 

 

 

(245)

 

 

2,468 

 

 

2,347 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, June 30, 2019

$

1,350 

 

$

1,227 

 

$

1,859 

 

$

8,465 

 

$

5,544 

 

 

(1)

Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses.  The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the three months ended June 30, 2020, totaling $(46,000), $57,000, $(121,000), $752,000 and $344,000, respectively, and for the three months ended June 30, 2019, totaling $68,000, $186,000, $(336,000), $468,000 and $839,000, respectively.  

 

 

 

 

 

 

 

 

 

 

 

Sun Security

 

 

 

 

 

 

 

 

 

TeamBank

 

 

Vantus Bank

 

 

Bank

 

 

InterBank

 

 

Valley Bank

 

 

 

(In Thousands)

 

 

 

 

 

 

Balance, January 1, 2020

$

1,157 

 

$

1,123 

 

$

1,948 

 

$

8,277 

 

$

4,578 

 

Accretion

 

(239)

 

 

(420)

 

 

(592)

 

 

(3,963)

 

 

(1,740)

 

Change in expected accretable yield(1)

 

 

 

251 

 

 

537 

 

 

938 

 

 

1,285 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, June 30, 2020

$

918 

 

$

954 

 

$

1,893 

 

$

5,252 

 

$

4,123 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, January 1, 2019

$

1,356 

 

$

1,432 

 

$

2,242 

 

$

4,994 

 

$

3,063 

 

Accretion

 

(615)

 

 

(478)

 

 

(781)

 

 

(3,979)

 

 

(1,985)

 

Change in expected accretable yield(1)

 

609 

 

 

273 

 

 

398 

 

 

7,450 

 

 

4,466 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, June 30, 2019

$

1,350 

 

$

1,227 

 

$

1,859 

 

$

8,465 

 

$

5,544 

 

 

(1)

Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses.  The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the six months ended June 30, 2020, totaling $0, $251,000, $537,000, $938,000 and $1.3 million, respectively, and for the six months ended June 30, 2019, totaling $546,000, $273,000, $247,000, $4.6 million and $2.2 million, respectively.  

 

XML 74 R64.htm IDEA: XBRL DOCUMENT v3.20.2
Note 8: Other Real Estate Owned: Schedule of Major Classifications of Foreclosed Assets (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule of Major Classifications of Foreclosed Assets

 

 

 

June 30,

 

 

December 31,

 

 

2020

 

 

2019

 

 

(In Thousands)

 

 

 

Foreclosed assets held for sale and repossessions

 

 

 

 

 

  One- to four-family construction

$

-

 

$

-

  Subdivision construction

 

350

 

 

689

  Land development

 

1,358

 

 

1,816

  Commercial construction

 

-

 

 

-

  One- to four-family residential

 

291

 

 

601

  Other residential

 

-

 

 

-

  Commercial real estate

 

-

 

 

-

  Commercial business

 

-

 

 

-

  Consumer

 

340

 

 

545

 

 

2,339

 

 

3,651

  Foreclosed assets acquired through FDIC-assisted

 

 

 

 

 

     transactions, net of discounts

 

1,236

 

 

1,003

 

 

 

 

 

 

Foreclosed assets held for sale and repossessions, net

 

3,575

 

 

4,654

 

 

 

 

 

 

  Other real estate owned not acquired through foreclosure

 

860

 

 

871

 

 

 

 

 

 

Other real estate owned and repossessions

$

4,435

 

$

5,525

 

XML 75 R65.htm IDEA: XBRL DOCUMENT v3.20.2
Note 8: Other Real Estate Owned: Schedule of Expenses Applicable to Foreclosed Assets (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule of Expenses Applicable to Foreclosed Assets

 

 

 

Three Months Ended

 

 

 

June 30,

 

 

 

2020

 

 

2019

 

 

 

(In Thousands)

 

 

 

Net gains on sales of other real estate owned and repossessions

$

(5)

 

$

(244)

 

Valuation write-downs

 

50 

 

 

197 

 

Operating expenses, net of rental income

 

223 

 

 

466 

 

 

 

 

 

 

 

 

$

268 

 

$

419 

 

 

 

 

Six Months Ended

 

 

 

June 30,

 

 

 

2020

 

 

2019

 

 

 

(In Thousands)

 

 

 

Net gains on sales of other real estate owned and repossessions

$

(101)

 

$

(410)

 

Valuation write-downs

 

213 

 

 

444 

 

Operating expenses, net of rental income

 

635 

 

 

1,005 

 

 

 

 

 

 

 

 

$

747 

 

$

1,039 

 

 

XML 76 R66.htm IDEA: XBRL DOCUMENT v3.20.2
Note 9: Premises and Equipment: Property, Plant and Equipment (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Property, Plant and Equipment

 

 

 

June 30,

 

 

December 31,

 

 

2020

 

 

2019

(In Thousands)

 

Land

$

40,767

 

$

40,632

Buildings and improvements

 

 98,406

 

 

96,959

Furniture, fixtures and equipment

 

 58,143

 

 

56,986

Operating leases right of use asset

 

8,979

 

 

8,668

 

 

 206,295

 

 

203,245

Less accumulated depreciation

 

65,737

 

 

61,337

 

 

 

 

 

 

$

140,558

 

$

141,908

 

XML 77 R67.htm IDEA: XBRL DOCUMENT v3.20.2
Note 9: Premises and Equipment: Calculated Amount of Right of Use Assets and Lease Liabilities (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Calculated Amount of Right of Use Assets and Lease Liabilities

 

 

 

At or For the Three Months Ended

 

 

June 30, 2020

 

 

June 30, 2019

 

 

(In Thousands)

Statement of Financial Condition

 

 

 

 

 

Operating leases right of use asset

$

8,979

$

9,106

Operating leases liability

$

9,073

$

9,153

 

 

 

 

 

 

Statement of Income

 

 

 

 

 

Operating lease costs classified as occupancy and equipment expense

$

400

$

371

 (includes short-term lease costs and amortization of right of use asset)

 

 

 

 

 

 

 

 

 

 

 

Supplemental Cash Flow Information

 

 

 

 

 

Cash paid for amounts included in the measurement of lease liabilities:

 

 

 

 

 

 Operating cash flows from operating leases

$

387

$

351

 

 

 

 

 

 

 

 

 

At or For the Six Months Ended

 

 

June 30, 2020

 

 

June 30, 2019

 

 

(In Thousands)

Statement of Financial Condition

 

 

 

 

 

Operating leases right of use asset

$

8,979

$

9,106

Operating leases liability

$

9,073

$

9,153

 

 

 

 

 

 

Statement of Income

 

 

 

 

 

Operating lease costs classified as occupancy and equipment expense

$

785

$

747

 (includes short-term lease costs and amortization of right of use asset)

 

 

 

 

 

 

 

 

 

 

 

Supplemental Cash Flow Information

 

 

 

 

 

Cash paid for amounts included in the measurement of lease liabilities:

 

 

 

 

 

 Operating cash flows from operating leases

$

758

$

701

Right of use assets obtained in exchange for lease obligations:

 

 

 

 

 

 Operating leases

 

972

$

9,538

 

 

 

 

 

 

 

XML 78 R68.htm IDEA: XBRL DOCUMENT v3.20.2
Note 9: Premises and Equipment: Schedule of Future Minimum Rental Payments for Operating Leases (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule of Future Minimum Rental Payments for Operating Leases

 

2020

$

 549

 

2021

 

  1,118

 

2022

 

  1,116

 

2023

 

  1,088

 

2024

 

  1,005

 

2025

 

  979

 

Thereafter

 

  4,926

 

 

 

 

 

Future lease payments expected

 

  10,781

 

 

 

 

 

Less interest portion of lease payments

 

  (1,708

)

 

 

 

 

Lease liability

$

 9,073

 

 

XML 79 R69.htm IDEA: XBRL DOCUMENT v3.20.2
Note 10: Deposits: Schedule of Deposit Liabilities (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule of Deposit Liabilities

 

 

 

June 30,

 

 

December 31,

 

 

2020

 

 

2019

 

 

(In Thousands)

 

Time Deposits:

 

 

 

 

 

0.00% - 0.99%

$

478,525

 

$

122,649

1.00% - 1.99%

 

894,301

 

 

523,816

2.00% - 2.99%

 

315,071

 

 

1,053,914

3.00% - 3.99%

 

18,822

 

 

19,849

4.00% - 4.99%

 

421

 

 

881

Total time deposits (weighted average rate 1.44% and 2.09%)

 

1,707,140

 

 

1,721,109

Non-interest-bearing demand deposits

 

879,245

 

 

687,068

Interest-bearing demand and savings deposits

(Weighted average rate 0.34% and 0.55%)

 

1,925,773

 

 

1,551,929

Total Deposits

$

4,512,158

 

$

3,960,106

 

XML 80 R70.htm IDEA: XBRL DOCUMENT v3.20.2
Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Short-term Debt (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule of Short-term Debt

 

 

 

June 30,

2020

 

 

December 31,

2019

 

 

(In Thousands)

 

Notes payable – Community Development Equity Funds

$

1,279

 

$

1,267

Other interest-bearing liabilities

 

-

 

 

30,890

Overnight borrowings from the Federal Home Loan Bank

 

-

 

 

196,000

Securities sold under reverse repurchase agreements

 

191,624

 

 

84,167

 

 

 

 

 

 

$

192,903

 

$

312,324

 

XML 81 R71.htm IDEA: XBRL DOCUMENT v3.20.2
Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Repurchase Agreements (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule of Repurchase Agreements

 

 

 

June 30, 2020

 

 

December 31, 2019

 

 

Overnight and

 

 

Overnight and

 

 

Continuous

 

 

Continuous

 

(In Thousands)

 

Mortgage-backed securities – GNMA, FNMA, FHLMC

$

191,624

 

$

84,167

 

 

 

 

 

 

XML 82 R72.htm IDEA: XBRL DOCUMENT v3.20.2
Note 13: Subordinated Notes: Schedule of Subordinated Borrowing (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule of Subordinated Borrowing

 

 

 

June 30, 2020

 

 

December 31, 2019

 

 

(In Thousands)

 

Subordinated notes

$

150,000

 

$

75,000

Less: unamortized debt issuance costs

 

1,968

 

 

724

$

148,032

 

$

74,276

 

XML 83 R73.htm IDEA: XBRL DOCUMENT v3.20.2
Note 14: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule of Effective Income Tax Rate Reconciliation

 

 

Three Months Ended June 30,

 

 

2020

 

 

2019

 

 

 

Tax at statutory rate

 21.0%

 

 

21.0%

 

Nontaxable interest and dividends

(0.5)

 

 

(0.5)

 

Tax credits

(4.3)

 

 

(4.2)

 

State taxes

1.5 

 

 

1.2 

 

Other

1.6 

 

 

(0.7)

 

19.3%

 

 

16.8%

 

 

 

Six Months Ended June 30,

 

 

2020

 

 

2019

 

 

 

Tax at statutory rate

 21.0%

 

 

21.0%

 

Nontaxable interest and dividends

(0.5)

 

 

(0.5)

 

Tax credits

(3.9)

 

 

(4.4)

 

State taxes

(0.2)

 

 

1.3 

 

Other

1.0 

 

 

0.3 

 

17.4%

 

 

17.7%

 

 

XML 84 R74.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Fair Value, Assets Measured on Recurring Basis

 

 

 

 

 

 

Fair value measurements using

 

 

 

 

 

Quoted prices

 

 

 

 

 

 

 

 

 

 

 

in active

 

 

 

 

 

 

 

 

 

 

 

markets

 

 

Other

 

 

Significant

 

 

 

 

 

for identical

 

 

observable

 

 

unobservable

 

 

 

 

 

assets

 

 

inputs

 

 

inputs

 

 

Fair value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

 

 

(In Thousands)

 

 

 

June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

Agency mortgage-backed securities

$

174,022 

 

$

-

 

$

174,022 

 

$

-

Agency collateralized mortgage obligations

 

179,833 

 

 

-

 

 

179,833 

 

 

-

States and political subdivisions

 

71,203 

 

 

-

 

 

71,203 

 

 

-

Small Business Administration securities

 

21,877 

 

 

-

 

 

21,877 

 

 

-

Interest rate derivative asset

 

6,580 

 

 

-

 

 

6,580 

 

 

-

Interest rate derivative liability

 

(7,221)

 

 

-

 

 

(7,221)

 

 

-

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

Agency mortgage-backed securities

$

165,042 

 

$

-

 

$

165,042 

 

$

-

Agency collateralized mortgage obligations

 

151,950 

 

 

-

 

 

151,950 

 

 

-

States and political subdivisions

 

35,125 

 

 

-

 

 

35,125 

 

 

-

Small Business Administration

 

22,058 

 

 

-

 

 

22,058 

 

 

-

Interest rate derivative asset

 

31,476 

 

 

-

 

 

31,476 

 

 

-

Interest rate derivative liability

 

(1,547)

 

 

-

 

 

(1,547)

 

 

-

 

XML 85 R75.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis

 

 

 

 

 

 

Fair Value Measurements Using

 

 

 

 

 

Quoted prices

 

 

 

 

 

 

 

 

 

 

 

in active

 

 

 

 

 

 

 

 

 

 

 

markets

 

 

Other

 

 

Significant

 

 

 

 

 

for identical

 

 

observable

 

 

unobservable

 

 

 

 

 

assets

 

 

inputs

 

 

inputs

 

 

Fair value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

 

 

(In Thousands)

 

 

 

June 30, 2020

 

 

 

 

 

 

 

 

 

 

 

Impaired loans

$

2,710

 

$

-

 

$

-

 

$

2,710

 

 

 

 

 

 

 

 

 

 

 

 

Foreclosed assets held for sale

$

97

 

$

-

 

$

-

 

$

97

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

Impaired loans

$

635

 

$

-

 

$

-

 

$

635

 

 

 

 

 

 

 

 

 

 

 

 

Foreclosed assets held for sale

$

1,112

 

$

-

 

$

-

 

$

1,112

 

XML 86 R76.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule Of Financial Instruments Fair Value

 

 

 

June 30, 2020

 

 

December 31, 2019

 

 

Carrying

 

 

Fair

 

Hierarchy

 

 

Carrying

 

 

Fair

 

Hierarchy

 

 

Amount

 

 

Value

 

Level

 

 

Amount

 

 

Value

 

Level

 

 

(In Thousands)

 

 

Financial assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and cash equivalents

$

473,645

 

$

473,645

 

1

 

$

220,155

 

$

220,155

 

1

Mortgage loans held for sale

 

20,188

 

 

20,188

 

2

 

 

9,242

 

 

9,242

 

2

Loans, net of allowance for loan losses

 

4,399,645

 

 

4,392,396

 

3

 

 

4,153,982

 

 

4,129,984

 

3

Interest receivable

 

14,759

 

 

14,759

 

3

 

 

13,530

 

 

13,530

 

3

Investment in FHLBank stock and
other interest-earning assets

 

11,276

 

 

11,276

 

3

 

 

13,473

 

 

13,473

 

3

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Financial liabilities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

4,512,158

 

 

4,524,749

 

3

 

 

3,960,106

 

 

3,963,875

 

3

Short-term borrowings

 

192,903

 

 

192,903

 

3

 

 

312,324

 

 

312,324

 

3

Subordinated debentures

 

25,774

 

 

25,774

 

3

 

 

25,774

 

 

25,774

 

3

Subordinated notes

 

148,032

 

 

149,625

 

2

 

 

74,276

 

 

76,875

 

2

Interest payable

 

3,464

 

 

3,464

 

3

 

 

4,250

 

 

4,250

 

3

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unrecognized financial instruments
 (net of contractual value)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commitments to originate loans

 

-

 

 

-

 

3

 

 

-

 

 

-

 

3

Letters of credit

 

48

 

 

48

 

3

 

 

109

 

 

109

 

3

Lines of credit

 

-

 

 

-

 

3

 

 

-

 

 

-

 

3

 

XML 87 R77.htm IDEA: XBRL DOCUMENT v3.20.2
Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments in Statement of Financial Position, Fair Value (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value

 

 

Location in

 

Fair Value

 

Consolidated Statements

 

    June 30,    

 

 

December 31,

 

of Financial Condition

 

2020

 

 

2019

 

 

 

(In Thousands)

Derivatives designated as hedging instruments

 

 

Interest rate swap

Prepaid expenses and other assets

$

-

 

$

30,056

 

 

 

 

 

 

Total derivatives designated as hedging instruments

 

$

-

 

$

30,056

 

 

Derivatives not designated as hedging instruments

 

 

 

 

 

 

Asset Derivatives

 

 

 

 

 

 

Interest rate products

Prepaid expenses and other assets

$

6,580

 

$

1,420

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total derivatives not designated as hedging instruments

 

$

6,580

 

$

1,420

 

 

 

 

 

 

 

Liability Derivatives

 

 

 

 

 

 

Interest rate products

Accrued expenses and other liabilities

$

7,221

 

$

1,547

 

 

 

 

 

 

 

Total derivatives not designated as hedging instruments

 

$

7,221

 

$

1,547

 

XML 88 R78.htm IDEA: XBRL DOCUMENT v3.20.2
Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss)

 

 

 

Amount of Gain (Loss)

 

 

Recognized in AOCI

 

 

Three Months Ended June 30,

Cash Flow Hedges

 

2020

 

 

2019

 

 

(In Thousands)

 

 

Interest rate swap, net of income taxes

$

(1,564)  

 

$

8,528

 

 

 

 

 

 

 

 

Amount of Gain (Loss)

 

 

Recognized in AOCI

 

 

Six Months Ended June 30,

Cash Flow Hedges

 

2020

 

 

2019

 

 

(In Thousands)

 

 

Interest rate swap, net of income taxes

$

9,852  

 

$

14,328

 

 

 

 

 

 

XML 89 R79.htm IDEA: XBRL DOCUMENT v3.20.2
Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Statements of Operations (Tables)
6 Months Ended
Jun. 30, 2020
Tables/Schedules  
Schedule of Derivative Instruments, Effect on Statements of Operations

 

 

Three Months Ended June 30,

Cash Flow Hedges

2020

2019

 

Interest

Interest

Interest

Interest

 

Income

Expense

Income

Expense

 

(In Thousands)

Interest rate swap

$         2,025

$     -

$          568

$      -  

 

 

 

 

 

 

 

Six Months Ended June 30,

Cash Flow Hedges

2020

2019

 

Interest

Interest

Interest

Interest

 

Income

Expense

Income

Expense

 

(In Thousands)

Interest rate swap

$         3,581

$     -

$      1,081

$      -  

 

 

 

 

 

 

XML 90 R80.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 4: EARNINGS PER SHARE: Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Details        
Weighted Average Number of Shares Outstanding, Basic 14,084 14,192 14,153 14,176
Net Income (Loss) Available to Common Stockholders, Basic $ 13,203 $ 18,375 $ 28,071 $ 35,988
Earnings Per Share, Basic $ 0.94 $ 1.29 $ 1.98 $ 2.54
Weighted Average Number of Shares Outstanding, Diluted 14,084 14,192 14,153 14,176
Net effect of dilutive stock options - based on the treasurystock method using average market price 40 122 56 122
Weighted Average Number Diluted Shares Outstanding Adjustment 14,124 14,314 14,209 14,298
Net Income (Loss) Available to Common Stockholders, Diluted $ 13,203 $ 18,375 $ 28,071 $ 35,988
Earnings Per Share, Diluted $ 0.93 $ 1.28 $ 1.98 $ 2.52
XML 91 R81.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 4: EARNINGS PER SHARE: Earnings Per Share, Policy (Details) - shares
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Details        
Options to purchase shares of common stock outstanding not included in computation of diluted earnings per share because exercise price greater than average market price 653,794 309,000 565,401 309,000
XML 92 R82.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 5: INVESTMENT SECURITIES: Investment Securities (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Available-for-sale Securities    
Available For Sale Securities Amortized Cost Amount $ 413,312 $ 362,460
Available-for-sale Securities, Gross Unrealized Gain 33,625 12,975
Available-for-sale Securities, Gross Unrealized Loss 2 1,260
Available for Sale Securities Fair Value 446,935 374,175
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises    
Available For Sale Securities Amortized Cost Amount 153,376 156,591
Available-for-sale Securities, Gross Unrealized Gain 20,646 8,716
Available-for-sale Securities, Gross Unrealized Loss 0 265
Available for Sale Securities Fair Value 174,022 165,042
Collateralized Mortgage Obligations    
Available For Sale Securities Amortized Cost Amount 169,607 149,980
Available-for-sale Securities, Gross Unrealized Gain 10,226 2,891
Available-for-sale Securities, Gross Unrealized Loss 0 921
Available for Sale Securities Fair Value 179,833 151,950
US States and Political Subdivisions Debt Securities    
Available For Sale Securities Amortized Cost Amount 69,203 33,757
Available-for-sale Securities, Gross Unrealized Gain 2,002 1,368
Available-for-sale Securities, Gross Unrealized Loss 2 0
Available for Sale Securities Fair Value 71,203 35,125
Small Business Administration securities    
Available For Sale Securities Amortized Cost Amount 21,126 22,132
Available-for-sale Securities, Gross Unrealized Gain 751 0
Available-for-sale Securities, Gross Unrealized Loss 0 74
Available for Sale Securities Fair Value $ 21,877 $ 22,058
XML 93 R83.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 5: INVESTMENT SECURITIES: Investments Classified by Contractual Maturity Date (Details)
$ in Thousands
3 Months Ended
Jun. 30, 2020
USD ($)
Details  
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One $ 0
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One 0
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five 0
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five 0
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 12,572
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 13,172
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10 56,631
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10 58,031
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost 344,109
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value 375,732
Available For Sale Securities Amortized Cost of Contractual Maturities 413,312
Available For Sale Securities Fair Value of Contractual Maturities $ 446,935
XML 94 R84.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 5: INVESTMENT SECURITIES: Investment, Policy (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Details    
Debt Securities, Held-to-maturity $ 0 $ 0
Fair Value of Debt Securities Reported Less Than Their Historical Cost $ 504 $ 116,200
Debt Securities Reported Less Than Their Historical Cost Percent of Investment Portfolio 0.10% 31.10%
XML 95 R85.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 5: INVESTMENT SECURITIES: Unrealized Gain (Loss) on Investments (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
US States and Political Subdivisions Debt Securities    
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 504  
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss (2)  
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 0  
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 0  
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 504  
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss (2)  
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 0  
Unrealized losses and estimated fair value    
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value 504 $ 91,430
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss (2) (995)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 0 24,762
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 0 265
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 504 116,192
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss (2) (1,260)
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss $ 0 (265)
Collateralized Mortgage Backed Securities    
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value   0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss   0
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value   24,762
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss   265
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value   24,762
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss   (265)
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss   (265)
Collateralized Mortgage Obligations    
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value   69,372
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss   (921)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value   0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss   0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value   69,372
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss   (921)
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss   0
Small Business Administration securities    
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value   22,058
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss   (74)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value   0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss   0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value   22,058
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss   (74)
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss   $ 0
XML 96 R86.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 5: INVESTMENT SECURITIES: Sales of Available for Sale Securities (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Details        
Available-for-sale Securities, Gross Realized Gains $ 78 $ 0 $ 78 $ 226
Available-for-sale Securities, Gross Realized Losses   $ 0   $ 216
XML 97 R87.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 5: INVESTMENT SECURITIES: Other than temporary impairment securities (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2020
Details    
Other than Temporary Impairment Losses, Investments, Available-for-sale Securities $ 0 $ 0
XML 98 R88.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 5: INVESTMENT SECURITIES: Credit Losses Recognized on Investments (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2020
Details    
Other than Temporary Impairment, Credit Losses Recognized in Earnings, Reductions, Securities Sold $ 0 $ 0
XML 99 R89.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Schedule of Accounts, Notes, Loans and Financing Receivable (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Loans Receivable weighted average interest rate 4.34% 4.97%
SEC Schedule, 12-09, Allowance, Credit Loss    
Loans Receivable $ (49,801) $ (40,294)
Loans Receivable Gross    
Loans Receivable 5,276,506 5,052,046
Undisbursed portion of loans in process    
Loans Receivable (816,783) (850,666)
Deferred loan fees and gains, net    
Loans Receivable (10,277) (7,104)
Loans Receivable    
Loans Receivable 4,399,645 4,153,982
Commercial Loan    
Loans Receivable 1,211,294 1,322,861
Commercial Real Estate    
Loans Receivable 1,532,274 1,494,172
Industrial revenue bonds    
Loans Receivable 14,222 13,189
Automobile Loan    
Loans Receivable 113,927 151,854
Home Equity Line of Credit    
Loans Receivable 116,293 118,988
Land Improvements    
Loans Receivable 38,646 40,431
One- to four-family residential construction    
Loans Receivable 34,376 33,963
Subdivision construction    
Loans Receivable 13,637 16,088
Owner occupied one- to four-family residential    
Loans Receivable 463,493 387,016
Non-owner occupied one- to four-family residential    
Loans Receivable 118,897 120,343
Other residential    
Loans Receivable 1,024,591 866,006
Commercial Borrower    
Loans Receivable 441,310 313,209
Consumer Borrower    
Loans Receivable 42,882 46,720
Acquired Loans Net of Discount    
Loans Receivable $ 110,664 $ 127,206
XML 100 R90.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Schedule of Loans Classified by Aging Analysis (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Financial Asset, 30 to 59 Days Past Due | Loans Receivable Gross    
Financing Receivables, By Class $ 1,856 $ 21,527
Financial Asset, 30 to 59 Days Past Due | Loans Receivable    
Financing Receivables, By Class 1,589 19,350
Financial Asset, 30 to 59 Days Past Due | Commercial Loan    
Financing Receivables, By Class 0 15,085
Financial Asset, 30 to 59 Days Past Due | Commercial Real Estate    
Financing Receivables, By Class 0 549
Financial Asset, 30 to 59 Days Past Due | Industrial revenue bonds    
Financing Receivables, By Class 0 0
Financial Asset, 30 to 59 Days Past Due | Automobile Loan    
Financing Receivables, By Class 305 1,101
Financial Asset, 30 to 59 Days Past Due | Home Equity Line of Credit    
Financing Receivables, By Class 669 296
Financial Asset, 30 to 59 Days Past Due | Land Improvements    
Financing Receivables, By Class 0 0
Financial Asset, 30 to 59 Days Past Due | One- to four-family residential construction    
Financing Receivables, By Class 79 0
Financial Asset, 30 to 59 Days Past Due | Subdivision construction    
Financing Receivables, By Class 0 0
Financial Asset, 30 to 59 Days Past Due | Owner occupied one- to four-family residential    
Financing Receivables, By Class 227 1,453
Financial Asset, 30 to 59 Days Past Due | Non-owner occupied one- to four-family residential    
Financing Receivables, By Class 224 152
Financial Asset, 30 to 59 Days Past Due | Other residential    
Financing Receivables, By Class 0 376
Financial Asset, 30 to 59 Days Past Due | Commercial Borrower    
Financing Receivables, By Class 0 60
Financial Asset, 30 to 59 Days Past Due | Consumer Borrower    
Financing Receivables, By Class 85 278
Financial Asset, 30 to 59 Days Past Due | Acquired Loans Net of Discount    
Financing Receivables, By Class 267 2,177
Financial Asset, 30 to 59 Days Past Due | Less Acquired Loans Net of Discount    
Financing Receivables, By Class 267 2,177
Financial Asset, 60 to 89 Days Past Due | Loans Receivable Gross    
Financing Receivables, By Class 560 2,978
Financial Asset, 60 to 89 Days Past Due | Loans Receivable    
Financing Receivables, By Class 371 2,269
Financial Asset, 60 to 89 Days Past Due | Commercial Loan    
Financing Receivables, By Class 0 0
Financial Asset, 60 to 89 Days Past Due | Commercial Real Estate    
Financing Receivables, By Class 0 119
Financial Asset, 60 to 89 Days Past Due | Industrial revenue bonds    
Financing Receivables, By Class 0 0
Financial Asset, 60 to 89 Days Past Due | Automobile Loan    
Financing Receivables, By Class 40 259
Financial Asset, 60 to 89 Days Past Due | Home Equity Line of Credit    
Financing Receivables, By Class 103 0
Financial Asset, 60 to 89 Days Past Due | Land Improvements    
Financing Receivables, By Class 24 27
Financial Asset, 60 to 89 Days Past Due | One- to four-family residential construction    
Financing Receivables, By Class 0 0
Financial Asset, 60 to 89 Days Past Due | Subdivision construction    
Financing Receivables, By Class 0 0
Financial Asset, 60 to 89 Days Past Due | Owner occupied one- to four-family residential    
Financing Receivables, By Class 175 1,631
Financial Asset, 60 to 89 Days Past Due | Non-owner occupied one- to four-family residential    
Financing Receivables, By Class 28 0
Financial Asset, 60 to 89 Days Past Due | Other residential    
Financing Receivables, By Class 0 0
Financial Asset, 60 to 89 Days Past Due | Commercial Borrower    
Financing Receivables, By Class 0 0
Financial Asset, 60 to 89 Days Past Due | Consumer Borrower    
Financing Receivables, By Class 1 233
Financial Asset, 60 to 89 Days Past Due | Acquired Loans Net of Discount    
Financing Receivables, By Class 189 709
Financial Asset, 60 to 89 Days Past Due | Less Acquired Loans Net of Discount    
Financing Receivables, By Class 189 709
Financial Asset, Equal to or Greater than 90 Days Past Due | Loans Receivable Gross    
Financing Receivables, By Class 10,438 10,710
Financial Asset, Equal to or Greater than 90 Days Past Due | Loans Receivable    
Financing Receivables, By Class 5,289 4,519
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial Loan    
Financing Receivables, By Class 0 0
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial Real Estate    
Financing Receivables, By Class 727 632
Financial Asset, Equal to or Greater than 90 Days Past Due | Industrial revenue bonds    
Financing Receivables, By Class 0 0
Financial Asset, Equal to or Greater than 90 Days Past Due | Automobile Loan    
Financing Receivables, By Class 361 558
Financial Asset, Equal to or Greater than 90 Days Past Due | Home Equity Line of Credit    
Financing Receivables, By Class 517 517
Financial Asset, Equal to or Greater than 90 Days Past Due | Land Improvements    
Financing Receivables, By Class 0 0
Financial Asset, Equal to or Greater than 90 Days Past Due | One- to four-family residential construction    
Financing Receivables, By Class 0 0
Financial Asset, Equal to or Greater than 90 Days Past Due | Subdivision construction    
Financing Receivables, By Class 0 0
Financial Asset, Equal to or Greater than 90 Days Past Due | Owner occupied one- to four-family residential    
Financing Receivables, By Class 2,109 1,198
Financial Asset, Equal to or Greater than 90 Days Past Due | Non-owner occupied one- to four-family residential    
Financing Receivables, By Class 279 181
Financial Asset, Equal to or Greater than 90 Days Past Due | Other residential    
Financing Receivables, By Class 0 0
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial Borrower    
Financing Receivables, By Class 1,182 1,235
Financial Asset, Equal to or Greater than 90 Days Past Due | Consumer Borrower    
Financing Receivables, By Class 114 198
Financial Asset, Equal to or Greater than 90 Days Past Due | Acquired Loans Net of Discount    
Financing Receivables, By Class 5,149 6,191
Financial Asset, Equal to or Greater than 90 Days Past Due | Less Acquired Loans Net of Discount    
Financing Receivables, By Class 5,149 6,191
Financing Receivables Past Due | Loans Receivable Gross    
Financing Receivables, By Class 12,854 35,215
Financing Receivables Past Due | Loans Receivable    
Financing Receivables, By Class 7,249 26,138
Financing Receivables Past Due | Commercial Loan    
Financing Receivables, By Class 0 15,085
Financing Receivables Past Due | Commercial Real Estate    
Financing Receivables, By Class 727 1,300
Financing Receivables Past Due | Industrial revenue bonds    
Financing Receivables, By Class 0 0
Financing Receivables Past Due | Automobile Loan    
Financing Receivables, By Class 706 1,918
Financing Receivables Past Due | Home Equity Line of Credit    
Financing Receivables, By Class 1,289 813
Financing Receivables Past Due | Land Improvements    
Financing Receivables, By Class 24 27
Financing Receivables Past Due | One- to four-family residential construction    
Financing Receivables, By Class 79 0
Financing Receivables Past Due | Subdivision construction    
Financing Receivables, By Class 0 0
Financing Receivables Past Due | Owner occupied one- to four-family residential    
Financing Receivables, By Class 2,511 4,282
Financing Receivables Past Due | Non-owner occupied one- to four-family residential    
Financing Receivables, By Class 531 333
Financing Receivables Past Due | Other residential    
Financing Receivables, By Class 0 376
Financing Receivables Past Due | Commercial Borrower    
Financing Receivables, By Class 1,182 1,295
Financing Receivables Past Due | Consumer Borrower    
Financing Receivables, By Class 200 709
Financing Receivables Past Due | Acquired Loans Net of Discount    
Financing Receivables, By Class 5,605 9,077
Financing Receivables Past Due | Less Acquired Loans Net of Discount    
Financing Receivables, By Class 5,605 9,077
Financing Receivables Current | Loans Receivable Gross    
Financing Receivables, By Class 5,263,652 5,016,831
Financing Receivables Current | Loans Receivable    
Financing Receivables, By Class 5,158,593 4,898,702
Financing Receivables Current | Commercial Loan    
Financing Receivables, By Class 1,211,294 1,307,776
Financing Receivables Current | Commercial Real Estate    
Financing Receivables, By Class 1,531,547 1,492,872
Financing Receivables Current | Industrial revenue bonds    
Financing Receivables, By Class 14,222 13,189
Financing Receivables Current | Automobile Loan    
Financing Receivables, By Class 113,221 149,936
Financing Receivables Current | Home Equity Line of Credit    
Financing Receivables, By Class 115,004 118,175
Financing Receivables Current | Land Improvements    
Financing Receivables, By Class 38,622 40,404
Financing Receivables Current | One- to four-family residential construction    
Financing Receivables, By Class 34,297 33,963
Financing Receivables Current | Subdivision construction    
Financing Receivables, By Class 13,637 16,088
Financing Receivables Current | Owner occupied one- to four-family residential    
Financing Receivables, By Class 460,982 382,734
Financing Receivables Current | Non-owner occupied one- to four-family residential    
Financing Receivables, By Class 118,366 120,010
Financing Receivables Current | Other residential    
Financing Receivables, By Class 1,024,591 865,630
Financing Receivables Current | Commercial Borrower    
Financing Receivables, By Class 440,128 311,914
Financing Receivables Current | Consumer Borrower    
Financing Receivables, By Class 42,682 46,011
Financing Receivables Current | Acquired Loans Net of Discount    
Financing Receivables, By Class 105,059 118,129
Financing Receivables Current | Less Acquired Loans Net of Discount    
Financing Receivables, By Class 105,059 118,129
Financing Receivables Total | Loans Receivable Gross    
Financing Receivables, By Class 5,276,506 5,052,046
Financing Receivables Total | Loans Receivable    
Financing Receivables, By Class 5,165,842 4,924,840
Financing Receivables Total | Commercial Loan    
Financing Receivables, By Class 1,211,294 1,322,861
Financing Receivables Total | Commercial Real Estate    
Financing Receivables, By Class 1,532,274 1,494,172
Financing Receivables Total | Industrial revenue bonds    
Financing Receivables, By Class 14,222 13,189
Financing Receivables Total | Automobile Loan    
Financing Receivables, By Class 113,927 151,854
Financing Receivables Total | Home Equity Line of Credit    
Financing Receivables, By Class 116,293 118,988
Financing Receivables Total | Land Improvements    
Financing Receivables, By Class 38,646 40,431
Financing Receivables Total | One- to four-family residential construction    
Financing Receivables, By Class 34,376 33,963
Financing Receivables Total | Subdivision construction    
Financing Receivables, By Class 13,637 16,088
Financing Receivables Total | Owner occupied one- to four-family residential    
Financing Receivables, By Class 463,493 387,016
Financing Receivables Total | Non-owner occupied one- to four-family residential    
Financing Receivables, By Class 118,897 120,343
Financing Receivables Total | Other residential    
Financing Receivables, By Class 1,024,591 866,006
Financing Receivables Total | Commercial Borrower    
Financing Receivables, By Class 441,310 313,209
Financing Receivables Total | Consumer Borrower    
Financing Receivables, By Class 42,882 46,720
Financing Receivables Total | Acquired Loans Net of Discount    
Financing Receivables, By Class 110,664 127,206
Financing Receivables Total | Less Acquired Loans Net of Discount    
Financing Receivables, By Class 110,664 127,206
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Loans Receivable Gross    
Financing Receivables, By Class 0 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Loans Receivable    
Financing Receivables, By Class 0 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Commercial Loan    
Financing Receivables, By Class 0 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Commercial Real Estate    
Financing Receivables, By Class 0 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Industrial revenue bonds    
Financing Receivables, By Class 0 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Automobile Loan    
Financing Receivables, By Class 0 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Home Equity Line of Credit    
Financing Receivables, By Class 0 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Land Improvements    
Financing Receivables, By Class 0 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | One- to four-family residential construction    
Financing Receivables, By Class 0 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Subdivision construction    
Financing Receivables, By Class 0 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Owner occupied one- to four-family residential    
Financing Receivables, By Class 0 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Non-owner occupied one- to four-family residential    
Financing Receivables, By Class 0 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Other residential    
Financing Receivables, By Class 0 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Commercial Borrower    
Financing Receivables, By Class 0 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Consumer Borrower    
Financing Receivables, By Class 0 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Acquired Loans Net of Discount    
Financing Receivables, By Class 0 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Less Acquired Loans Net of Discount    
Financing Receivables, By Class $ 0 $ 0
XML 101 R91.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Nonaccrual (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Loans Receivable    
Financing Receivable, Nonaccrual $ 5,289 $ 4,519
Commercial Loan    
Financing Receivable, Nonaccrual 0 0
Commercial Real Estate    
Financing Receivable, Nonaccrual 727 632
Industrial revenue bonds    
Financing Receivable, Nonaccrual 0 0
Automobile Loan    
Financing Receivable, Nonaccrual 361 558
Home Equity Line of Credit    
Financing Receivable, Nonaccrual 517 517
Land Improvements    
Financing Receivable, Nonaccrual 0 0
One- to four-family residential construction    
Financing Receivable, Nonaccrual 0 0
Subdivision construction    
Financing Receivable, Nonaccrual 0 0
Owner occupied one- to four-family residential    
Financing Receivable, Nonaccrual 2,109 1,198
Non-owner occupied one- to four-family residential    
Financing Receivable, Nonaccrual 279 181
Other residential    
Financing Receivable, Nonaccrual 0 0
Commercial Borrower    
Financing Receivable, Nonaccrual 1,182 1,235
Consumer Borrower    
Financing Receivable, Nonaccrual $ 114 $ 198
XML 102 R92.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Allowance for Credit Loss (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Dec. 31, 2019
Provision for Loan and Lease Losses $ (6,000) $ (1,600) $ (9,871) $ (3,550)  
Loans Receivable          
Financing Receivable, Credit Loss, Expense (Reversal) 6,000 1,600 9,871 3,550  
Financing Receivable, Allowance for Credit Loss, Writeoff (757) (1,982) (1,902) (4,748)  
Accounts Receivable, Allowance for Credit Loss, Recovery 630 985 1,538 2,043  
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 711   711   $ 929
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 48,418   48,418   38,704
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses 672   672   661
Financing Receivable, Individually Evaluated for Impairment 9,474   9,474   10,267
Financing Receivable, Collectively Evaluated for Impairment 5,156,368   5,156,368   4,914,573
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model 110,664   110,664   127,206
Individually evaluated for impairment 711   711   929
Collectively evaluated for impairment 48,418   48,418   38,704
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses 672   672   661
Individually evaluated for impairment 9,474   9,474   10,267
Collectively evaluated for impairment 5,156,368   5,156,368   4,914,573
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model 110,664   110,664   127,206
Loans Receivable | Beginning of Period          
Provision for Loan and Lease Losses 43,928 38,651 40,294 38,409  
Loans Receivable | End of Period          
Provision for Loan and Lease Losses 49,801 39,254 49,801 39,254  
Commercial Real Estate          
Financing Receivable, Credit Loss, Expense (Reversal) 2,982 1,382 4,538 2,545  
Financing Receivable, Allowance for Credit Loss, Writeoff 0 (7) 0 (7)  
Accounts Receivable, Allowance for Credit Loss, Recovery 0 11 33 26  
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 486   486   517
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 28,091   28,091   23,570
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses 328   328   247
Financing Receivable, Individually Evaluated for Impairment 3,674   3,674   4,020
Financing Receivable, Collectively Evaluated for Impairment 1,528,600   1,528,600   1,490,152
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model 26,474   26,474   29,158
Individually evaluated for impairment 486   486   517
Collectively evaluated for impairment 28,091   28,091   23,570
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses 328   328   247
Individually evaluated for impairment 3,674   3,674   4,020
Collectively evaluated for impairment 1,528,600   1,528,600   1,490,152
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model 26,474   26,474   29,158
Commercial Real Estate | Beginning of Period          
Provision for Loan and Lease Losses 25,923 20,981 24,334 19,803  
Commercial Real Estate | End of Period          
Provision for Loan and Lease Losses 28,905 22,367 28,905 22,367  
Commercial Loan          
Financing Receivable, Credit Loss, Expense (Reversal) 563 1,145 (304) 574  
Financing Receivable, Allowance for Credit Loss, Writeoff 0 (189) (1) (220)  
Accounts Receivable, Allowance for Credit Loss, Recovery 9 8 22 20  
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 0   0   0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 2,669   2,669   2,940
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses 124   124   136
Financing Receivable, Individually Evaluated for Impairment 0   0   0
Financing Receivable, Collectively Evaluated for Impairment 1,249,940   1,249,940   1,363,292
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model 3,176   3,176   3,606
Individually evaluated for impairment 0   0   0
Collectively evaluated for impairment 2,669   2,669   2,940
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses 124   124   136
Individually evaluated for impairment 0   0   0
Collectively evaluated for impairment 1,249,940   1,249,940   1,363,292
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model 3,176   3,176   3,606
Commercial Loan | Beginning of Period          
Provision for Loan and Lease Losses 2,221 2,515 3,076 3,105  
Commercial Loan | End of Period          
Provision for Loan and Lease Losses 2,793 3,479 2,793 3,479  
One- to four-family residential construction          
Financing Receivable, Credit Loss, Expense (Reversal) (250) 805 144 1,163  
Financing Receivable, Allowance for Credit Loss, Writeoff (11) (62) (40) (517)  
Accounts Receivable, Allowance for Credit Loss, Recovery 14 24 49 35  
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 78   78   198
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 4,342   4,342   3,973
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses 72   72   168
Financing Receivable, Individually Evaluated for Impairment 3,054   3,054   2,960
Financing Receivable, Collectively Evaluated for Impairment 627,349   627,349   554,450
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model 63,801   63,801   74,562
Individually evaluated for impairment 78   78   198
Collectively evaluated for impairment 4,342   4,342   3,973
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses 72   72   168
Individually evaluated for impairment 3,054   3,054   2,960
Collectively evaluated for impairment 627,349   627,349   554,450
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model 63,801   63,801   74,562
One- to four-family residential construction | Beginning of Period          
Provision for Loan and Lease Losses 4,739 3,036 4,339 3,122  
One- to four-family residential construction | End of Period          
Provision for Loan and Lease Losses 4,492 3,803 4,492 3,803  
Other residential          
Financing Receivable, Credit Loss, Expense (Reversal) 2,866 (1,683) 3,738 (960)  
Financing Receivable, Allowance for Credit Loss, Writeoff 0 0 0 0  
Accounts Receivable, Allowance for Credit Loss, Recovery 52 0 173 0  
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 0   0   0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 8,972   8,972   5,101
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses 92   92   52
Financing Receivable, Individually Evaluated for Impairment 0   0   0
Financing Receivable, Collectively Evaluated for Impairment 1,024,591   1,024,591   866,006
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model 6,156   6,156   5,334
Individually evaluated for impairment 0   0   0
Collectively evaluated for impairment 8,972   8,972   5,101
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses 92   92   52
Individually evaluated for impairment 0   0   0
Collectively evaluated for impairment 1,024,591   1,024,591   866,006
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model 6,156   6,156   5,334
Other residential | Beginning of Period          
Provision for Loan and Lease Losses 6,146 5,436 5,153 4,713  
Other residential | End of Period          
Provision for Loan and Lease Losses 9,064 3,753 9,064 3,753  
Commercial Borrower          
Financing Receivable, Credit Loss, Expense (Reversal) 200 62 369 (90)  
Financing Receivable, Allowance for Credit Loss, Writeoff 0 (25) (9) (99)  
Accounts Receivable, Allowance for Credit Loss, Recovery 38 157 102 299  
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 9   9   13
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 1,767   1,767   1,306
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses 41   41   36
Financing Receivable, Individually Evaluated for Impairment 1,220   1,220   1,286
Financing Receivable, Collectively Evaluated for Impairment 454,312   454,312   325,112
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model 2,522   2,522   3,356
Individually evaluated for impairment 9   9   13
Collectively evaluated for impairment 1,767   1,767   1,306
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses 41   41   36
Individually evaluated for impairment 1,220   1,220   1,286
Collectively evaluated for impairment 454,312   454,312   325,112
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model 2,522   2,522   3,356
Commercial Borrower | Beginning of Period          
Provision for Loan and Lease Losses 1,579 1,484 1,355 1,568  
Commercial Borrower | End of Period          
Provision for Loan and Lease Losses 1,817 1,678 1,817 1,678  
Consumer Borrower          
Financing Receivable, Credit Loss, Expense (Reversal) (361) (111) 1,386 318  
Financing Receivable, Allowance for Credit Loss, Writeoff (746) (1,699) (1,852) (3,905)  
Accounts Receivable, Allowance for Credit Loss, Recovery 517 785 1,159 1,663  
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 138   138   201
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 2,577   2,577   1,814
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses 15   15   22
Financing Receivable, Individually Evaluated for Impairment 1,526   1,526   2,001
Financing Receivable, Collectively Evaluated for Impairment 271,576   271,576   315,561
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model 8,535   8,535   11,190
Individually evaluated for impairment 138   138   201
Collectively evaluated for impairment 2,577   2,577   1,814
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses 15   15   22
Individually evaluated for impairment 1,526   1,526   2,001
Collectively evaluated for impairment 271,576   271,576   315,561
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model 8,535   8,535   $ 11,190
Consumer Borrower | Beginning of Period          
Provision for Loan and Lease Losses 3,320 5,199 2,037 6,098  
Consumer Borrower | End of Period          
Provision for Loan and Lease Losses $ 2,730 $ 4,174 $ 2,730 $ 4,174  
XML 103 R93.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Financing Receivables (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Dec. 31, 2019
Loans Receivable          
Impaired Financing Receivable, Recorded Investment $ 9,474 $ 17,819 $ 9,474 $ 17,819 $ 10,267
Impaired Financing Receivable, Unpaid Principal Balance 10,856 19,240 10,856 19,240 11,435
Impaired Financing Receivable, Related Allowance 711 1,417 711 1,417 929
Impaired Financing Receivable, Average Recorded Investment 10,211 14,877 10,370 14,525 12,487
Impaired Financing Receivable Interest Income Recognized 113 279 261 455 839
Commercial Loan          
Impaired Financing Receivable, Recorded Investment 0 0 0 0 0
Impaired Financing Receivable, Unpaid Principal Balance 0 0 0 0 0
Impaired Financing Receivable, Related Allowance 0 0 0 0 0
Impaired Financing Receivable, Average Recorded Investment 0 0 0 0 0
Impaired Financing Receivable Interest Income Recognized 0 0 0 0 0
Commercial Real Estate          
Impaired Financing Receivable, Recorded Investment 3,674 7,809 3,674 7,809 4,020
Impaired Financing Receivable, Unpaid Principal Balance 3,711 7,834 3,711 7,834 4,049
Impaired Financing Receivable, Related Allowance 486 555 486 555 517
Impaired Financing Receivable, Average Recorded Investment 3,885 6,349 4,004 5,612 4,940
Impaired Financing Receivable Interest Income Recognized 37 86 67 136 264
Industrial revenue bonds          
Impaired Financing Receivable, Recorded Investment 0 0 0 0 0
Impaired Financing Receivable, Unpaid Principal Balance 0 0 0 0 0
Impaired Financing Receivable, Related Allowance 0 0 0 0 0
Impaired Financing Receivable, Average Recorded Investment 0 0 0 0 0
Impaired Financing Receivable Interest Income Recognized 0 0 0 0 0
Automobile Loan          
Impaired Financing Receivable, Recorded Investment 753 1,040 753 1,040 1,117
Impaired Financing Receivable, Unpaid Principal Balance 959 1,230 959 1,230 1,334
Impaired Financing Receivable, Related Allowance 122 133 122 133 181
Impaired Financing Receivable, Average Recorded Investment 868 1,088 973 1,240 1,128
Impaired Financing Receivable Interest Income Recognized 14 18 40 43 125
Home Equity Line of Credit          
Impaired Financing Receivable, Recorded Investment 527 364 527 364 528
Impaired Financing Receivable, Unpaid Principal Balance 557 380 557 380 548
Impaired Financing Receivable, Related Allowance 4 3 4 3 4
Impaired Financing Receivable, Average Recorded Investment 500 290 538 254 362
Impaired Financing Receivable Interest Income Recognized 7 10 19 17 37
Land Improvements          
Impaired Financing Receivable, Recorded Investment 0 3,556 0 3,556 0
Impaired Financing Receivable, Unpaid Principal Balance 0 3,588 0 3,588 0
Impaired Financing Receivable, Related Allowance 0 0 0 0 0
Impaired Financing Receivable, Average Recorded Investment 0 1,189 0 601 328
Impaired Financing Receivable Interest Income Recognized 0 99 0 99 101
One- to four-family residential construction          
Impaired Financing Receivable, Recorded Investment 0 0 0 0 0
Impaired Financing Receivable, Unpaid Principal Balance 0 0 0 0 0
Impaired Financing Receivable, Related Allowance 0 0 0 0 0
Impaired Financing Receivable, Average Recorded Investment 0 0 0 0 0
Impaired Financing Receivable Interest Income Recognized 0 0 0 0 0
Subdivision construction          
Impaired Financing Receivable, Recorded Investment 24 261 24 261 251
Impaired Financing Receivable, Unpaid Principal Balance 24 261 24 261 251
Impaired Financing Receivable, Related Allowance 0 100 0 100 96
Impaired Financing Receivable, Average Recorded Investment 170 280 209 293 277
Impaired Financing Receivable Interest Income Recognized 1 3 3 5 9
Owner occupied one- to four-family residential          
Impaired Financing Receivable, Recorded Investment 2,751 2,157 2,751 2,157 2,300
Impaired Financing Receivable, Unpaid Principal Balance 3,034 2,434 3,034 2,434 2,423
Impaired Financing Receivable, Related Allowance 78 114 78 114 82
Impaired Financing Receivable, Average Recorded Investment 2,882 2,839 2,702 3,097 2,598
Impaired Financing Receivable Interest Income Recognized 34 20 80 57 131
Non-owner occupied one- to four-family residential          
Impaired Financing Receivable, Recorded Investment 279 764 279 764 409
Impaired Financing Receivable, Unpaid Principal Balance 471 944 471 944 574
Impaired Financing Receivable, Related Allowance 0 22 0 22 20
Impaired Financing Receivable, Average Recorded Investment 418 815 425 1,296 954
Impaired Financing Receivable Interest Income Recognized 5 6 11 18 43
Other residential          
Impaired Financing Receivable, Recorded Investment 0 0 0 0 0
Impaired Financing Receivable, Unpaid Principal Balance 0 0 0 0 0
Impaired Financing Receivable, Related Allowance 0 0 0 0 0
Impaired Financing Receivable, Average Recorded Investment 0 0 0 0 0
Impaired Financing Receivable Interest Income Recognized 0 0 0 0 0
Commercial Borrower          
Impaired Financing Receivable, Recorded Investment 1,220 1,451 1,220 1,451 1,286
Impaired Financing Receivable, Unpaid Principal Balance 1,726 1,918 1,726 1,918 1,771
Impaired Financing Receivable, Related Allowance 9 470 9 470 13
Impaired Financing Receivable, Average Recorded Investment 1,223 1,626 1,243 1,700 1,517
Impaired Financing Receivable Interest Income Recognized 9 26 25 58 81
Consumer Borrower          
Impaired Financing Receivable, Recorded Investment 246 417 246 417 356
Impaired Financing Receivable, Unpaid Principal Balance 374 651 374 651 485
Impaired Financing Receivable, Related Allowance 12 20 12 20 16
Impaired Financing Receivable, Average Recorded Investment 265 401 276 432 383
Impaired Financing Receivable Interest Income Recognized $ 6 $ 11 $ 16 $ 22 $ 48
XML 104 R94.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Loans Specific Valuation Allowance (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Details    
Impaired Loans With Specific Valuation Allowance $ 4,200 $ 5,200
Impaired Loans Valuation Allowance $ 711 $ 929
XML 105 R95.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Troubled Debt Restructuring (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Consumer Borrower        
Troubled Debt Restructuring Loans Interest Only $ 0 $ 0 $ 0 $ 0
Troubled Debt Restructuring Loans Modified Term 16 52 16 79
Troubled Debt Restructuring Loans Modified Combination 28 0 76 0
Troubled Debt Restructurings Total New Modifications 44 $ 52 92 $ 79
Newly Restructured Modified Loans        
Troubled Debt Restructuring Loans Interest Only 0   0  
Troubled Debt Restructuring Loans Modified Term 16   16  
Troubled Debt Restructuring Loans Modified Combination 28   206  
Troubled Debt Restructurings Total New Modifications $ 44   222  
One- to four-family residential construction        
Troubled Debt Restructuring Loans Interest Only     0  
Troubled Debt Restructuring Loans Modified Term     0  
Troubled Debt Restructuring Loans Modified Combination     130  
Troubled Debt Restructurings Total New Modifications     $ 130  
XML 106 R96.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Loans Modified in Troubled Debt Restructurings by Segment (Details)
$ in Thousands
3 Months Ended 12 Months Ended
Jun. 30, 2020
USD ($)
Jun. 30, 2020
USD ($)
Dec. 31, 2019
USD ($)
Troubled Debt Restructurings Total Modifications   $ 861 $ 1,900
Troubled Debt Restructurings Accruing Interest $ 645 $ 216 $ 1,400
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts   0 0
Land Improvements      
Troubled Debt Restructurings Total Modifications     $ 251
Substandard      
Troubled Debt Restructurings Accruing Interest   $ 670 562
Commercial Real Estate      
Troubled Debt Restructurings Total Modifications     412
Troubled Debt Restructured Loans and Impaired   97  
Construction and Land Development      
Troubled Debt Restructured Loans and Impaired   24  
One- to four-family residential construction      
Troubled Debt Restructured Loans and Impaired   404  
Commercial Borrower      
Troubled Debt Restructurings Total Modifications     156
Troubled Debt Restructured Loans and Impaired   128  
Consumer Borrower      
Troubled Debt Restructurings Total Modifications     343
Troubled Debt Restructured Loans and Impaired   $ 208  
Single Family Residential Mortgage      
Troubled Debt Restructurings Total Modifications     $ 768
XML 107 R97.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Troubled Debt Restructured Loans Returned to Accrual Status (Details) - USD ($)
$ in Thousands
3 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Troubled Debt Restructurings Returned to Accrual Status $ 0  
One to Four Family Residential    
Troubled Debt Restructurings Returned to Accrual Status $ 14 $ 63
XML 108 R98.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES (Details)
$ in Thousands
Jun. 30, 2020
USD ($)
Details  
Number of CARES Act Loan Modifications 2,133
CARES Act Loan Modifications $ 1,000,000
XML 109 R99.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable Credit Quality Indicators (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Satisfactory | Loans Receivable    
Loan Portfolio Internal Grading System Classification $ 5,193,393 $ 5,005,765
Satisfactory | Commercial Loan    
Loan Portfolio Internal Grading System Classification 1,211,294 1,322,861
Satisfactory | Commercial Real Estate    
Loan Portfolio Internal Grading System Classification 1,467,520 1,458,400
Satisfactory | Industrial revenue bonds    
Loan Portfolio Internal Grading System Classification 14,222 13,189
Satisfactory | Automobile Loan    
Loan Portfolio Internal Grading System Classification 113,229 150,874
Satisfactory | Home Equity Line of Credit    
Loan Portfolio Internal Grading System Classification 115,735 118,428
Satisfactory | Land Improvements    
Loan Portfolio Internal Grading System Classification 38,646 40,431
Satisfactory | One- to four-family residential construction    
Loan Portfolio Internal Grading System Classification 33,400 33,963
Satisfactory | Subdivision construction    
Loan Portfolio Internal Grading System Classification 13,613 16,061
Satisfactory | Owner occupied one- to four-family residential    
Loan Portfolio Internal Grading System Classification 460,804 385,001
Satisfactory | Non-owner occupied one- to four-family residential    
Loan Portfolio Internal Grading System Classification 118,074 119,743
Satisfactory | Other residential    
Loan Portfolio Internal Grading System Classification 1,024,591 866,006
Satisfactory | Commercial Borrower    
Loan Portfolio Internal Grading System Classification 429,065 307,322
Satisfactory | Consumer Borrower    
Loan Portfolio Internal Grading System Classification 42,548 46,294
Satisfactory | Acquired Loans Net of Discount    
Loan Portfolio Internal Grading System Classification 110,652 127,192
Watch | Loans Receivable    
Loan Portfolio Internal Grading System Classification 73,818 37,368
Watch | Commercial Loan    
Loan Portfolio Internal Grading System Classification 0 0
Watch | Commercial Real Estate    
Loan Portfolio Internal Grading System Classification 61,080 32,063
Watch | Industrial revenue bonds    
Loan Portfolio Internal Grading System Classification 0 0
Watch | Automobile Loan    
Loan Portfolio Internal Grading System Classification 25 47
Watch | Home Equity Line of Credit    
Loan Portfolio Internal Grading System Classification 41 43
Watch | Land Improvements    
Loan Portfolio Internal Grading System Classification 0 0
Watch | One- to four-family residential construction    
Loan Portfolio Internal Grading System Classification 976 0
Watch | Subdivision construction    
Loan Portfolio Internal Grading System Classification 0 27
Watch | Owner occupied one- to four-family residential    
Loan Portfolio Internal Grading System Classification 0 26
Watch | Non-owner occupied one- to four-family residential    
Loan Portfolio Internal Grading System Classification 545 419
Watch | Other residential    
Loan Portfolio Internal Grading System Classification 0 0
Watch | Commercial Borrower    
Loan Portfolio Internal Grading System Classification 11,063 4,651
Watch | Consumer Borrower    
Loan Portfolio Internal Grading System Classification 88 92
Watch | Acquired Loans Net of Discount    
Loan Portfolio Internal Grading System Classification 0 0
Special Mention | Loans Receivable    
Loan Portfolio Internal Grading System Classification 0 0
Special Mention | Commercial Loan    
Loan Portfolio Internal Grading System Classification 0 0
Special Mention | Commercial Real Estate    
Loan Portfolio Internal Grading System Classification 0 0
Special Mention | Industrial revenue bonds    
Loan Portfolio Internal Grading System Classification 0 0
Special Mention | Automobile Loan    
Loan Portfolio Internal Grading System Classification 0 0
Special Mention | Home Equity Line of Credit    
Loan Portfolio Internal Grading System Classification 0 0
Special Mention | Land Improvements    
Loan Portfolio Internal Grading System Classification 0 0
Special Mention | One- to four-family residential construction    
Loan Portfolio Internal Grading System Classification 0 0
Special Mention | Subdivision construction    
Loan Portfolio Internal Grading System Classification 0 0
Special Mention | Owner occupied one- to four-family residential    
Loan Portfolio Internal Grading System Classification 0 0
Special Mention | Non-owner occupied one- to four-family residential    
Loan Portfolio Internal Grading System Classification 0 0
Special Mention | Other residential    
Loan Portfolio Internal Grading System Classification 0 0
Special Mention | Commercial Borrower    
Loan Portfolio Internal Grading System Classification 0 0
Special Mention | Consumer Borrower    
Loan Portfolio Internal Grading System Classification 0 0
Special Mention | Acquired Loans Net of Discount    
Loan Portfolio Internal Grading System Classification 0 0
Substandard | Loans Receivable    
Loan Portfolio Internal Grading System Classification 9,295 8,913
Substandard | Commercial Loan    
Loan Portfolio Internal Grading System Classification 0 0
Substandard | Commercial Real Estate    
Loan Portfolio Internal Grading System Classification 3,674 3,709
Substandard | Industrial revenue bonds    
Loan Portfolio Internal Grading System Classification 0 0
Substandard | Automobile Loan    
Loan Portfolio Internal Grading System Classification 673 933
Substandard | Home Equity Line of Credit    
Loan Portfolio Internal Grading System Classification 517 517
Substandard | Land Improvements    
Loan Portfolio Internal Grading System Classification 0 0
Substandard | One- to four-family residential construction    
Loan Portfolio Internal Grading System Classification 0 0
Substandard | Subdivision construction    
Loan Portfolio Internal Grading System Classification 24 0
Substandard | Owner occupied one- to four-family residential    
Loan Portfolio Internal Grading System Classification 2,689 1,989
Substandard | Non-owner occupied one- to four-family residential    
Loan Portfolio Internal Grading System Classification 278 181
Substandard | Other residential    
Loan Portfolio Internal Grading System Classification 0 0
Substandard | Commercial Borrower    
Loan Portfolio Internal Grading System Classification 1,182 1,236
Substandard | Consumer Borrower    
Loan Portfolio Internal Grading System Classification 246 334
Substandard | Acquired Loans Net of Discount    
Loan Portfolio Internal Grading System Classification 12 14
Doubtful | Loans Receivable    
Loan Portfolio Internal Grading System Classification 0 0
Doubtful | Commercial Loan    
Loan Portfolio Internal Grading System Classification 0 0
Doubtful | Commercial Real Estate    
Loan Portfolio Internal Grading System Classification 0 0
Doubtful | Industrial revenue bonds    
Loan Portfolio Internal Grading System Classification 0 0
Doubtful | Automobile Loan    
Loan Portfolio Internal Grading System Classification 0 0
Doubtful | Home Equity Line of Credit    
Loan Portfolio Internal Grading System Classification 0 0
Doubtful | Land Improvements    
Loan Portfolio Internal Grading System Classification 0 0
Doubtful | One- to four-family residential construction    
Loan Portfolio Internal Grading System Classification 0 0
Doubtful | Subdivision construction    
Loan Portfolio Internal Grading System Classification 0 0
Doubtful | Owner occupied one- to four-family residential    
Loan Portfolio Internal Grading System Classification 0 0
Doubtful | Non-owner occupied one- to four-family residential    
Loan Portfolio Internal Grading System Classification 0 0
Doubtful | Other residential    
Loan Portfolio Internal Grading System Classification 0 0
Doubtful | Commercial Borrower    
Loan Portfolio Internal Grading System Classification 0 0
Doubtful | Consumer Borrower    
Loan Portfolio Internal Grading System Classification 0 0
Doubtful | Acquired Loans Net of Discount    
Loan Portfolio Internal Grading System Classification 0 0
Internal Investment Grade Total | Loans Receivable    
Loan Portfolio Internal Grading System Classification 5,276,506 5,052,046
Internal Investment Grade Total | Commercial Loan    
Loan Portfolio Internal Grading System Classification 1,211,294 1,322,861
Internal Investment Grade Total | Commercial Real Estate    
Loan Portfolio Internal Grading System Classification 1,532,274 1,494,172
Internal Investment Grade Total | Industrial revenue bonds    
Loan Portfolio Internal Grading System Classification 14,222 13,189
Internal Investment Grade Total | Automobile Loan    
Loan Portfolio Internal Grading System Classification 113,927 151,854
Internal Investment Grade Total | Home Equity Line of Credit    
Loan Portfolio Internal Grading System Classification 116,293 118,988
Internal Investment Grade Total | Land Improvements    
Loan Portfolio Internal Grading System Classification 38,646 40,431
Internal Investment Grade Total | One- to four-family residential construction    
Loan Portfolio Internal Grading System Classification 34,376 33,963
Internal Investment Grade Total | Subdivision construction    
Loan Portfolio Internal Grading System Classification 13,637 16,088
Internal Investment Grade Total | Owner occupied one- to four-family residential    
Loan Portfolio Internal Grading System Classification 463,493 387,016
Internal Investment Grade Total | Non-owner occupied one- to four-family residential    
Loan Portfolio Internal Grading System Classification 118,897 120,343
Internal Investment Grade Total | Other residential    
Loan Portfolio Internal Grading System Classification 1,024,591 866,006
Internal Investment Grade Total | Commercial Borrower    
Loan Portfolio Internal Grading System Classification 441,310 313,209
Internal Investment Grade Total | Consumer Borrower    
Loan Portfolio Internal Grading System Classification 42,882 46,720
Internal Investment Grade Total | Acquired Loans Net of Discount    
Loan Portfolio Internal Grading System Classification $ 110,664 $ 127,206
XML 110 R100.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: FDIC Indemnification Asset Policy (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
TeamBank    
Gross loans receivable $ 6,380 $ 7,304
Balance of accretable discount due to change in expected losses (120) (159)
FDIC Indemnification Asset Net Carrying Value to Loans Receivable (6,231) (7,118)
Expected loss remaining 29 27
Vantus Bank    
Gross loans receivable 8,953 9,899
Balance of accretable discount due to change in expected losses (53) (89)
FDIC Indemnification Asset Net Carrying Value to Loans Receivable (8,887) (9,797)
Expected loss remaining 13 13
Sun Security Bank    
Gross loans receivable 15,298 17,906
Balance of accretable discount due to change in expected losses (251) (374)
FDIC Indemnification Asset Net Carrying Value to Loans Receivable (14,919) (17,392)
Expected loss remaining 128 140
InterBank    
Gross loans receivable 52,327 60,430
Balance of accretable discount due to change in expected losses (2,665) (5,143)
FDIC Indemnification Asset Net Carrying Value to Loans Receivable (48,851) (54,442)
Expected loss remaining 811 845
Valley Bank    
Gross loans receivable 33,565 41,032
Balance of accretable discount due to change in expected losses (1,076) (1,803)
FDIC Indemnification Asset Net Carrying Value to Loans Receivable (31,773) (38,452)
Expected loss remaining $ 716 $ 777
XML 111 R101.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Business Acquisition Fair Value and Expected Cash Flows Policy (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Accretable yield adjustment affecting interest income $ 4,200   $ 4,200  
Remaining accretable yield adjustment affecting interest income     2,200  
Minimum        
Reclassification of discounts from non-accretable to accretable (adjustment) 0 $ 0 0 $ 0
Maximum        
Reclassification of discounts from non-accretable to accretable (adjustment) $ 3,700 $ 3,700 $ 5,300 $ 5,300
XML 112 R102.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Impact of Adjustments of Acquired Loans on Financial Results (Details)
$ / shares in Units, $ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
USD ($)
$ / shares
Jun. 30, 2019
USD ($)
$ / shares
Jun. 30, 2020
USD ($)
$ / shares
Jun. 30, 2019
USD ($)
$ / shares
Details        
Impact of acquired loan pools on net interest income $ 1,537 $ 1,399 $ 3,403 $ 2,911
Impact of acquired loan pools on net interest margin (in basis points) 12 12 14 13
Net impact of acquired loan pools to pre-tax income $ 1,537 $ 1,399 $ 3,403 $ 2,911
Net impact of acquired loan pools to net of taxes $ 1,187 $ 1,080 $ 2,627 $ 2,247
Impact of acquired loan pools to diluted earnings per common share | $ / shares $ 0.08 $ 0.08 $ 0.19 $ 0.16
XML 113 R103.htm IDEA: XBRL DOCUMENT v3.20.2
NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Accretable Yield Changes for Acquired Loans (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
TeamBank        
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion $ (114) $ (180) $ (239) $ (615)
Change in expected accretable yield (46) [1] 131 [1] 0 [2] 609 [2]
TeamBank | Beginning of Period        
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease) 1,078 1,399 1,157 1,356
TeamBank | End of Period        
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease) 918 1,350 918 1,350
Vantus Bank        
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion (189) (261) (420) (478)
Change in expected accretable yield 57 [1] 186 [1] 251 [2] 273 [2]
Vantus Bank | Beginning of Period        
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease) 1,086 1,302 1,123 1,432
Vantus Bank | End of Period        
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease) 954 1,227 954 1,227
Sun Security Bank        
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion (266) (340) (592) (781)
Change in expected accretable yield (121) [1] (245) [1] 537 [2] 398 [2]
Sun Security Bank | Beginning of Period        
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease) 2,280 2,444 1,948 2,242
Sun Security Bank | End of Period        
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease) 1,893 1,859 1,893 1,859
InterBank        
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion (1,857) (1,951) (3,963) (3,979)
Change in expected accretable yield 752 [1] 2,468 [1] 938 [2] 7,450 [2]
InterBank | Beginning of Period        
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease) 6,357 7,948 8,277 4,994
InterBank | End of Period        
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease) 5,252 8,465 5,252 8,465
Valley Bank        
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion (833) (1,132) (1,740) (1,985)
Change in expected accretable yield 344 [1] 2,347 [1] 1,285 [2] 4,466 [2]
Valley Bank | Beginning of Period        
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease) 4,612 4,329 4,578 3,063
Valley Bank | End of Period        
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease) $ 4,123 $ 5,544 $ 4,123 $ 5,544
[1] Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses.  The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the three months ended June 30, 2020, totaling $(46,000), $57,000, $(121,000), $752,000 and $344,000, respectively, and for the three months ended June 30, 2019, totaling $68,000, $186,000, $(336,000), $468,000 and $839,000, respectively.  
[2] Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses.  The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the six months ended June 30, 2020, totaling $0, $251,000, $537,000, $938,000 and $1.3 million, respectively, and for the six months ended June 30, 2019, totaling $546,000, $273,000, $247,000, $4.6 million and $2.2 million, respectively.  
XML 114 R104.htm IDEA: XBRL DOCUMENT v3.20.2
Note 8: Other Real Estate Owned: Schedule of Major Classifications of Foreclosed Assets (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Foreclosed assets acquired through FDIC-assisted transactions, net $ 1,236 $ 1,003
Foreclosed assets held for sale and repossessions, net 3,575 4,654
Other real estate owned not acquired through foreclosure 860 871
Other real estate owned and repossessions 4,435 5,525
One to Four Family Residential    
Foreclosed Assets Held for Sale and Repossessions 291 601
Commercial Loan    
Foreclosed Assets Held for Sale and Repossessions 0 0
Commercial Real Estate    
Foreclosed Assets Held for Sale and Repossessions 0 0
Land Improvements    
Foreclosed Assets Held for Sale and Repossessions 1,358 1,816
One- to four-family residential construction    
Foreclosed Assets Held for Sale and Repossessions 0 0
Subdivision construction    
Foreclosed Assets Held for Sale and Repossessions 350 689
Other residential    
Foreclosed Assets Held for Sale and Repossessions 0 0
Commercial Borrower    
Foreclosed Assets Held for Sale and Repossessions 0 0
Consumer Borrower    
Foreclosed Assets Held for Sale and Repossessions $ 340 $ 545
XML 115 R105.htm IDEA: XBRL DOCUMENT v3.20.2
Note 8: Other Real Estate Owned: Other Real Estate Owned Not Acquired Through Foreclosure (Details)
Jun. 30, 2020
Details  
Other Real Estate Owned (Branches) Held for Sale 6
XML 116 R106.htm IDEA: XBRL DOCUMENT v3.20.2
Note 8: Other Real Estate Owned: Loans in Process of Foreclosure (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Mortgage Loans in Process of Foreclosure, Amount $ 751 $ 1,600
Acquired Loans    
Mortgage Loans in Process of Foreclosure, Amount 650 $ 1,400
Owned by Fannie Mae and Serviced by the Bank    
Mortgage Loans in Process of Foreclosure, Amount $ 57  
XML 117 R107.htm IDEA: XBRL DOCUMENT v3.20.2
Note 8: Other Real Estate Owned: Schedule of Expenses Applicable to Foreclosed Assets (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Details        
Net (gain) loss on sales of other real estate owned $ (5) $ (244) $ (101) $ (410)
Valuation write-downs on foreclosed assets 50 197 213 444
Operating expenses, net of rental income 223 466 635 1,005
Total foreclosed assets expenses $ 268 $ 419 $ 747 $ 1,039
XML 118 R108.htm IDEA: XBRL DOCUMENT v3.20.2
Note 9: Premises and Equipment: Property, Plant and Equipment (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Details    
Land $ 40,767 $ 40,632
Buildings and improvements 98,406 96,959
Furniture, fixtures and equipment 58,143 56,986
Operating leases right of use asset 8,979 8,668
Less accumulated depreciation 65,737 61,337
Premises and equipment, net $ 140,558 $ 141,908
XML 119 R109.htm IDEA: XBRL DOCUMENT v3.20.2
Note 9: Premises and Equipment: Lessee, Operating Lease, Disclosure: Lease Agreements (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Jun. 30, 2019
Details    
Finance Lease, Right-of-Use Asset, after Accumulated Amortization $ 9,000 $ 9,500
Finance Lease, Liability $ 9,100  
XML 120 R110.htm IDEA: XBRL DOCUMENT v3.20.2
Note 9: Premises and Equipment: Lessee, Operating Lease, Disclosure: Lease Expense Related to ATMs (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Details        
Lease expense related to ATMs $ 65 $ 76 $ 126 $ 149
XML 121 R111.htm IDEA: XBRL DOCUMENT v3.20.2
Note 9: Premises and Equipment: Lessee, Operating Lease, Disclosure: Expected Lease Terms (Details)
6 Months Ended
Jun. 30, 2020
Weighted-average lease term 9.5 years
Operating Lease, Weighted Average Discount Rate, Percent 3.24%
Minimum  
Lessee Expected Lease Terms 2.8 years
Maximum  
Lessee Expected Lease Terms 18.4 years
XML 122 R112.htm IDEA: XBRL DOCUMENT v3.20.2
Note 9: Premises and Equipment: Calculated Amount of Right of Use Assets and Lease Liabilities (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Statement of Financial Position        
Right of Use Asset, Operating Leases $ 8,979 $ 9,106    
Liability, Operating Leases 9,073 9,153    
Statement of Income        
Operating Lease Costs Classified as Occupancy and Equipment Expense [1] 400 371 $ 785 $ 747
Supplemental Cash Flow Information        
Operating Cash Flows from Operating Leases [2] $ 387 $ 351 758 701
Operating leases [3]     972 9,538
Statement of Financial Condition        
Right of Use Asset, Operating Leases     8,979 9,106
Liability, Operating Leases     $ 9,073 $ 9,153
[1] Operating lease costs classified as occupancy and equipment expense (Includes short-term lease costs and amortization of right of use asset)
[2] Cash paid for amounts included in the measurement of lease liabilities
[3] Right of use assets obtained in exchange for lease obligations
XML 123 R113.htm IDEA: XBRL DOCUMENT v3.20.2
Note 9: Premises and Equipment: Operating Lease Expense (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Details        
Operating Lease, Expense $ 400 $ 371 $ 785 $ 747
XML 124 R114.htm IDEA: XBRL DOCUMENT v3.20.2
Note 9: Premises and Equipment: Schedule of Future Minimum Rental Payments for Operating Leases (Details)
$ in Thousands
Jun. 30, 2020
USD ($)
Details  
Operating Leases, Future Minimum Payments, Remainder of Fiscal Year $ 549
Operating Leases, Future Minimum Payments Due, Next Twelve Months 1,118
Operating Leases, Future Minimum Payments, Due in Two Years 1,116
Operating Leases, Future Minimum Payments, Due in Three Years 1,088
Operating Leases, Future Minimum Payments, Due in Four Years 1,005
Operating Leases, Future Minimum Payments, Due in Five Years 979
Operating Leases, Future Minimum Payments, Due Thereafter 4,926
Operating Lease, Payments 10,781
Interest portion of lease payments (1,708)
Operating Lease, Liability $ 9,073
XML 125 R115.htm IDEA: XBRL DOCUMENT v3.20.2
Note 9: Premises and Equipment: Lessor Agreements (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Details        
Income Recognized From Lessor Agreements $ 271 $ 285 $ 570 $ 561
XML 126 R116.htm IDEA: XBRL DOCUMENT v3.20.2
Note 10: Deposits: Schedule of Deposit Liabilities (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Deposits $ 4,512,158 $ 3,960,106
Time Deposits:    
Total time deposits (weighted average rate 1.44% and 2.09%) [1] 1,707,140 1,721,109
Total time deposits (weighted average rate 1.44% and 2.09%) [1] 1,707,140 1,721,109
Non-interest-bearing demand deposits 879,245 687,068
Non-interest-bearing demand deposits 879,245 687,068
Interest-bearing demand and savings deposits (Weighted average rate 0.34% and 0.55%) [2] 1,925,773 1,551,929
Interest-bearing demand and savings deposits (Weighted average rate 0.34% and 0.55%) [2] 1,925,773 1,551,929
Total Deposits 4,512,158 3,960,106
Total Deposits 4,512,158 3,960,106
0.00% - 0.99%    
Deposits 478,525 122,649
1.00% - 1.99%    
Deposits 894,301 523,816
2.00% - 2.99%    
Deposits 315,071 1,053,914
3.00% - 3.99%    
Deposits 18,822 19,849
4.00% - 4.99%    
Deposits $ 421 $ 881
[1] Weighted average rate 1.74% and 2.09%
[2] Weighted average rate 0.48% and 0.55%
XML 127 R117.htm IDEA: XBRL DOCUMENT v3.20.2
Note 11: Advances From Federal Home Loan Bank (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Details    
Advances from Federal Home Loan Banks $ 0 $ 0
XML 128 R118.htm IDEA: XBRL DOCUMENT v3.20.2
Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Short-term Debt (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Details    
Notes payable - Community Development Equity Funds $ 1,279 $ 1,267
Other interest-bearing liabilities 0 30,890
Other Short-term Borrowings 0 196,000
Securities for Reverse Repurchase Agreements 191,624 84,167
Short-term debt recorded value $ 192,903 $ 312,324
XML 129 R119.htm IDEA: XBRL DOCUMENT v3.20.2
Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Repurchase Agreements (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Maturity Overnight and on Demand | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises    
Securities Sold under Agreements to Repurchase, Fair Value of Collateral $ 191,624 $ 84,167
XML 130 R120.htm IDEA: XBRL DOCUMENT v3.20.2
Note 13: Subordinated Notes: Subordinated Notes Details (Details) - USD ($)
$ in Thousands
Jun. 10, 2020
Aug. 08, 2016
Debt Instrument, Interest Rate Terms The notes are due June 15, 2030, and have a fixed interest rate of 5.50% until June 15, 2025, at which time the rate becomes floating at a rate expected to be equal to three-month term Secured Overnight Financing Rate (SOFR) plus 5.325%. The notes are due August 15, 2026, and have a fixed interest rate of 5.25% until August 15, 2021, at which time the rate becomes floating at a rate equal to three-month LIBOR plus 4.087%.
Senior Subordinated Notes    
Proceeds from Issuance of Senior Long-term Debt $ 73,500 $ 73,500
Payment of Financing and Stock Issuance Costs $ 1,500 $ 1,500
XML 131 R121.htm IDEA: XBRL DOCUMENT v3.20.2
Note 13: Subordinated Notes (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Details        
Amortization of Debt Discount (Premium) $ 134 $ 108 $ 242 $ 217
Subordinated Borrowing, Interest Rate 5.99%      
XML 132 R122.htm IDEA: XBRL DOCUMENT v3.20.2
Note 13: Subordinated Notes: Schedule of Subordinated Borrowing (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Details    
Subordinated Notes Before Costs $ 150,000 $ 75,000
Unamortized Debt Issuance Expense 1,968 724
Subordinated Debt $ 148,032 $ 74,276
XML 133 R123.htm IDEA: XBRL DOCUMENT v3.20.2
Note 14: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Details)
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Details        
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent 21.00% 21.00% 21.00% 21.00%
Effective Income Tax Rate Reconciliation, Tax Exempt Income, Percent (0.50%) (0.50%) (0.50%) (0.50%)
Effective Income Tax Rate Reconciliation, Tax Credit, Percent (4.30%) (4.20%) (3.90%) (4.40%)
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent 1.50% 1.20% (0.20%) 1.30%
Effective Income Tax Rate Reconciliation, Other Adjustments, Percent 1.60% (0.70%) 1.00% 0.30%
Effective Income Tax Rate Reconciliation, Percent 19.30% 16.80% 17.40% 17.70%
XML 134 R124.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises    
Recurring Assets, Fair Value Disclosure $ 174,022 $ 165,042
Collateralized Mortgage Obligations    
Recurring Assets, Fair Value Disclosure 179,833 151,950
US States and Political Subdivisions Debt Securities    
Recurring Assets, Fair Value Disclosure 71,203 35,125
Small Business Administration securities    
Recurring Assets, Fair Value Disclosure 21,877 22,058
Interest rate derivative asset    
Recurring Assets, Fair Value Disclosure 6,580 31,476
Interest rate derivative liability    
Recurring Assets, Fair Value Disclosure (7,221) (1,547)
Fair Value, Inputs, Level 1 | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises    
Recurring Assets, Fair Value Disclosure 0 0
Fair Value, Inputs, Level 1 | Collateralized Mortgage Obligations    
Recurring Assets, Fair Value Disclosure 0 0
Fair Value, Inputs, Level 1 | US States and Political Subdivisions Debt Securities    
Recurring Assets, Fair Value Disclosure 0 0
Fair Value, Inputs, Level 1 | Small Business Administration securities    
Recurring Assets, Fair Value Disclosure 0 0
Fair Value, Inputs, Level 1 | Interest rate derivative asset    
Recurring Assets, Fair Value Disclosure 0 0
Fair Value, Inputs, Level 1 | Interest rate derivative liability    
Recurring Assets, Fair Value Disclosure 0 0
Fair Value, Inputs, Level 2 | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises    
Recurring Assets, Fair Value Disclosure 174,022 165,042
Fair Value, Inputs, Level 2 | Collateralized Mortgage Obligations    
Recurring Assets, Fair Value Disclosure 179,833 151,950
Fair Value, Inputs, Level 2 | US States and Political Subdivisions Debt Securities    
Recurring Assets, Fair Value Disclosure 71,203 35,125
Fair Value, Inputs, Level 2 | Small Business Administration securities    
Recurring Assets, Fair Value Disclosure 21,877 22,058
Fair Value, Inputs, Level 2 | Interest rate derivative asset    
Recurring Assets, Fair Value Disclosure 6,580 31,476
Fair Value, Inputs, Level 2 | Interest rate derivative liability    
Recurring Assets, Fair Value Disclosure (7,221) (1,547)
Fair Value, Inputs, Level 3 | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises    
Recurring Assets, Fair Value Disclosure 0 0
Fair Value, Inputs, Level 3 | Collateralized Mortgage Obligations    
Recurring Assets, Fair Value Disclosure 0 0
Fair Value, Inputs, Level 3 | US States and Political Subdivisions Debt Securities    
Recurring Assets, Fair Value Disclosure 0 0
Fair Value, Inputs, Level 3 | Small Business Administration securities    
Recurring Assets, Fair Value Disclosure 0 0
Fair Value, Inputs, Level 3 | Interest rate derivative asset    
Recurring Assets, Fair Value Disclosure 0 0
Fair Value, Inputs, Level 3 | Interest rate derivative liability    
Recurring Assets, Fair Value Disclosure $ 0 $ 0
XML 135 R125.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Loans Receivable Impaired    
Non-recurring Assets, Fair Value Disclosure $ 2,710 $ 635
Foreclosed assets held for sale    
Non-recurring Assets, Fair Value Disclosure 97 1,112
Fair Value, Inputs, Level 1 | Loans Receivable Impaired    
Non-recurring Assets, Fair Value Disclosure 0 0
Fair Value, Inputs, Level 1 | Foreclosed assets held for sale    
Non-recurring Assets, Fair Value Disclosure 0 0
Fair Value, Inputs, Level 2 | Loans Receivable Impaired    
Non-recurring Assets, Fair Value Disclosure 0 0
Fair Value, Inputs, Level 2 | Foreclosed assets held for sale    
Non-recurring Assets, Fair Value Disclosure 0 0
Fair Value, Inputs, Level 3 | Loans Receivable Impaired    
Non-recurring Assets, Fair Value Disclosure 2,710 635
Fair Value, Inputs, Level 3 | Foreclosed assets held for sale    
Non-recurring Assets, Fair Value Disclosure $ 97 $ 1,112
XML 136 R126.htm IDEA: XBRL DOCUMENT v3.20.2
Note 15: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Details)
$ in Thousands
Jun. 30, 2020
USD ($)
Dec. 31, 2019
USD ($)
Unrecognized financial instruments (net of contractual value) | Commitments to originate loans    
Financial Instruments Owned Carrying Amount $ 0 $ 0
Financial Instruments, Owned, at Fair Value $ 0 $ 0
Fair Value Hierarchy Level 3 3
Unrecognized financial instruments (net of contractual value) | Letter of Credit    
Financial Instruments Owned Carrying Amount $ 48 $ 109
Financial Instruments, Owned, at Fair Value $ 48 $ 109
Fair Value Hierarchy Level 3 3
Unrecognized financial instruments (net of contractual value) | Line of Credit    
Financial Instruments Owned Carrying Amount $ 0 $ 0
Financial Instruments, Owned, at Fair Value $ 0 $ 0
Fair Value Hierarchy Level 3 3
Financial assets | Loans Receivable    
Financial Instruments Owned Carrying Amount $ 4,399,645 $ 4,153,982
Financial Instruments, Owned, at Fair Value $ 4,392,396 $ 4,129,984
Fair Value Hierarchy Level 3 3
Financial assets | Cash and Cash Equivalents    
Financial Instruments Owned Carrying Amount $ 473,645 $ 220,155
Financial Instruments, Owned, at Fair Value $ 473,645 $ 220,155
Fair Value Hierarchy Level 1 1
Financial assets | Mortgage loans held for sale    
Financial Instruments Owned Carrying Amount $ 20,188 $ 9,242
Financial Instruments, Owned, at Fair Value $ 20,188 $ 9,242
Fair Value Hierarchy Level 2 2
Financial assets | Interest receivable    
Financial Instruments Owned Carrying Amount $ 14,759 $ 13,530
Financial Instruments, Owned, at Fair Value $ 14,759 $ 13,530
Fair Value Hierarchy Level 3 3
Financial assets | Investment in FHLBank stock and other interest-earning assets    
Financial Instruments Owned Carrying Amount $ 11,276 $ 13,473
Financial Instruments, Owned, at Fair Value $ 11,276 $ 13,473
Fair Value Hierarchy Level 3 3
Financial liabilities | Junior Subordinated Debt    
Financial Instruments Owned Carrying Amount $ 25,774 $ 25,774
Financial Instruments, Owned, at Fair Value $ 25,774 $ 25,774
Fair Value Hierarchy Level 3 3
Financial liabilities | Subordinated Debt    
Financial Instruments Owned Carrying Amount $ 148,032 $ 74,276
Financial Instruments, Owned, at Fair Value $ 149,625 $ 76,875
Fair Value Hierarchy Level 2 2
Financial liabilities | Deposits    
Financial Instruments Owned Carrying Amount $ 4,512,158 $ 3,960,106
Financial Instruments, Owned, at Fair Value $ 4,524,749 $ 3,963,875
Fair Value Hierarchy Level 3 3
Financial liabilities | Short-term Debt    
Financial Instruments Owned Carrying Amount $ 192,903 $ 312,324
Financial Instruments, Owned, at Fair Value $ 192,903 $ 312,324
Fair Value Hierarchy Level 3 3
Financial liabilities | Interest payable    
Financial Instruments Owned Carrying Amount $ 3,464 $ 4,250
Financial Instruments, Owned, at Fair Value $ 3,464 $ 4,250
Fair Value Hierarchy Level 3 3
XML 137 R127.htm IDEA: XBRL DOCUMENT v3.20.2
Note 16: Derivatives and Hedging Activities: Cash Flow Hedges (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Details        
Interest Rate Swap Interest Income $ 2,000 $ 568 $ 3,600 $ 1,100
Noninterest income related to changes in the fair value of derivative 0   $ 0  
Noninterest income related to changes in the fair value of derivative $ 45,900      
XML 138 R128.htm IDEA: XBRL DOCUMENT v3.20.2
Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments in Statement of Financial Position, Fair Value (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Derivatives Designated as Hedging Instruments $ 0 $ 30,056
Derivative Asset    
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value 6,580 1,420
Derivative Liability    
Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value 7,221 1,547
Interest Rate Swap | Prepaid Expenses and Other Current Assets    
Derivatives Designated as Hedging Instruments 0 30,056
Interest rate products | Prepaid Expenses and Other Current Assets    
Derivative Asset    
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value 6,580 1,420
Interest rate products | Accrued expenses and other liabilities    
Derivative Liability    
Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value $ 7,221 $ 1,547
XML 139 R129.htm IDEA: XBRL DOCUMENT v3.20.2
Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Amount of Gain (Loss) Recognized in Accumulated Other Comprehensive Income | Interest Rate Swap        
Effect of derivative instruments on the statements of comprehensive income $ (1,564) $ 8,528 $ 9,852 $ 14,328
XML 140 R130.htm IDEA: XBRL DOCUMENT v3.20.2
Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Statements of Operations (Details) - Interest Rate Swap - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Interest Income        
Effect of cash flow hedge accounting on the statements of operations $ 2,025 $ 568 $ 3,581 $ 1,081
Interest Expense        
Effect of cash flow hedge accounting on the statements of operations $ 0 $ 0 $ 0 $ 0
XML 141 R131.htm IDEA: XBRL DOCUMENT v3.20.2
Note 16: Derivatives and Hedging Activities: Agreements with Derivative Counterparties (Details) - USD ($)
$ in Thousands
Jun. 30, 2020
Dec. 31, 2019
Balance Sheet Hedge    
Derivative Counterparties Collateral $ 7,000 $ 30,900
Net liability position | Loan Level Swap | Commercial Lending Customer    
Termination Value of Derivatives With Derivative Dealer Counterparties $ 7,300 1,100
Net asset position | Balance Sheet Hedge    
Termination Value of Derivatives With Derivative Dealer Counterparties   $ 30,100
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Disclosure - NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Financing Receivables (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESImpairedFinancingReceivablesTables NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Financing Receivables (Tables) Tables 58 false false R59.htm 000590 - Disclosure - NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Troubled Debt Restructuring (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESFinancingReceivableTroubledDebtRestructuringTables NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Troubled Debt Restructuring (Tables) Tables 59 false false R60.htm 000600 - Disclosure - NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable Credit Quality Indicators (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESFinancingReceivableCreditQualityIndicatorsTables NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable Credit Quality Indicators (Tables) Tables 60 false false R61.htm 000610 - Disclosure - NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: FDIC Indemnification Asset Policy (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE7ACQUIREDLOANSLOSSSHARINGAGREEMENTSANDFDICINDEMNIFICATIONASSETSFDICIndemnificationAssetPolicyTables NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: FDIC Indemnification Asset Policy (Tables) Tables 61 false false R62.htm 000620 - Disclosure - NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Impact of Adjustments of Acquired Loans on Financial Results (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE7ACQUIREDLOANSLOSSSHARINGAGREEMENTSANDFDICINDEMNIFICATIONASSETSScheduleOfImpactOfAdjustmentsOfAcquiredLoansOnFinancialResultsTables NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Impact of Adjustments of Acquired Loans on Financial Results (Tables) Tables 62 false false R63.htm 000630 - Disclosure - NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Accretable Yield Changes for Acquired Loans (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE7ACQUIREDLOANSLOSSSHARINGAGREEMENTSANDFDICINDEMNIFICATIONASSETSScheduleOfAccretableYieldChangesForAcquiredLoansTables NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Accretable Yield Changes for Acquired Loans (Tables) Tables 63 false false R64.htm 000640 - Disclosure - Note 8: Other Real Estate Owned: Schedule of Major Classifications of Foreclosed Assets (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNote8OtherRealEstateOwnedScheduleOfMajorClassificationsOfForeclosedAssetsTables Note 8: Other Real Estate Owned: Schedule of Major Classifications of Foreclosed Assets (Tables) Tables 64 false false R65.htm 000650 - Disclosure - Note 8: Other Real Estate Owned: Schedule of Expenses Applicable to Foreclosed Assets (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNote8OtherRealEstateOwnedScheduleOfExpensesApplicableToForeclosedAssetsTables Note 8: Other Real Estate Owned: Schedule of Expenses Applicable to Foreclosed Assets (Tables) Tables 65 false false R66.htm 000660 - Disclosure - Note 9: Premises and Equipment: Property, Plant and Equipment (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNote9PremisesAndEquipmentPropertyPlantAndEquipmentTables Note 9: Premises and Equipment: Property, Plant and Equipment (Tables) Tables 66 false false R67.htm 000670 - Disclosure - Note 9: Premises and Equipment: Calculated Amount of Right of Use Assets and Lease Liabilities (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNote9PremisesAndEquipmentCalculatedAmountOfRightOfUseAssetsAndLeaseLiabilitiesTables Note 9: Premises and Equipment: Calculated Amount of Right of Use Assets and Lease Liabilities (Tables) Tables 67 false false R68.htm 000680 - Disclosure - Note 9: Premises and Equipment: Schedule of Future Minimum Rental Payments for Operating Leases (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNote9PremisesAndEquipmentScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTables Note 9: Premises and Equipment: Schedule of Future Minimum Rental Payments for Operating Leases (Tables) Tables 68 false false R69.htm 000690 - Disclosure - Note 10: Deposits: Schedule of Deposit Liabilities (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNote10DepositsScheduleOfDepositLiabilitiesTables Note 10: Deposits: Schedule of Deposit Liabilities (Tables) Tables 69 false false R70.htm 000700 - Disclosure - Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Short-term Debt (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNote12SecuritiesSoldUnderReverseRepurchaseAgreementsAndShortTermBorrowingsScheduleOfShortTermDebtTables Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Short-term Debt (Tables) Tables 70 false false R71.htm 000710 - Disclosure - Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Repurchase Agreements (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNote12SecuritiesSoldUnderReverseRepurchaseAgreementsAndShortTermBorrowingsScheduleOfRepurchaseAgreementsTables Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Repurchase Agreements (Tables) Tables 71 false false R72.htm 000720 - Disclosure - Note 13: Subordinated Notes: Schedule of Subordinated Borrowing (Tables) Notes http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNote13SubordinatedNotesScheduleOfSubordinatedBorrowingTables Note 13: Subordinated Notes: Schedule of Subordinated Borrowing (Tables) Tables 72 false false R73.htm 000730 - Disclosure - Note 14: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNote14IncomeTaxesScheduleOfEffectiveIncomeTaxRateReconciliationTables Note 14: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables) Tables 73 false false R74.htm 000740 - Disclosure - Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNote15DisclosuresAboutFairValueOfFinancialInstrumentsFairValueAssetsMeasuredOnRecurringBasisTables Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis (Tables) Tables 74 false false R75.htm 000750 - Disclosure - Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNote15DisclosuresAboutFairValueOfFinancialInstrumentsFairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisTables Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Tables) Tables 75 false false R76.htm 000760 - Disclosure - Note 15: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNote15DisclosuresAboutFairValueOfFinancialInstrumentsScheduleOfFinancialInstrumentsFairValueTables Note 15: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Tables) Tables 76 false false R77.htm 000770 - Disclosure - Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments in Statement of Financial Position, Fair Value (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNote16DerivativesAndHedgingActivitiesScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTables Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments in Statement of Financial Position, Fair Value (Tables) Tables 77 false false R78.htm 000780 - Disclosure - Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNote16DerivativesAndHedgingActivitiesScheduleOfDerivativeInstrumentsEffectOnOtherComprehensiveIncomeLossTables Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Tables) Tables 78 false false R79.htm 000790 - Disclosure - Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Statements of Operations (Tables) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNote16DerivativesAndHedgingActivitiesScheduleOfDerivativeInstrumentsEffectOnStatementsOfOperationsTables Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Statements of Operations (Tables) Tables 79 false false R80.htm 000800 - Disclosure - NOTE 4: EARNINGS PER SHARE: Schedule of Earnings Per Share, Basic and Diluted (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE4EARNINGSPERSHAREScheduleOfEarningsPerShareBasicAndDilutedDetails NOTE 4: EARNINGS PER SHARE: Schedule of Earnings Per Share, Basic and Diluted (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE4EARNINGSPERSHAREScheduleOfEarningsPerShareBasicAndDilutedTables 80 false false R81.htm 000810 - Disclosure - NOTE 4: EARNINGS PER SHARE: Earnings Per Share, Policy (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE4EARNINGSPERSHAREEarningsPerSharePolicyDetails NOTE 4: EARNINGS PER SHARE: Earnings Per Share, Policy (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE4EARNINGSPERSHAREEarningsPerSharePolicyPolicies 81 false false R82.htm 000820 - Disclosure - NOTE 5: INVESTMENT SECURITIES: Investment Securities (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE5INVESTMENTSECURITIESInvestmentSecuritiesDetails NOTE 5: INVESTMENT SECURITIES: Investment Securities (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE5INVESTMENTSECURITIESInvestmentSecuritiesTables 82 false false R83.htm 000830 - Disclosure - NOTE 5: INVESTMENT SECURITIES: Investments Classified by Contractual Maturity Date (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE5INVESTMENTSECURITIESInvestmentsClassifiedByContractualMaturityDateDetails NOTE 5: INVESTMENT SECURITIES: Investments Classified by Contractual Maturity Date (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE5INVESTMENTSECURITIESInvestmentsClassifiedByContractualMaturityDateTables 83 false false R84.htm 000840 - Disclosure - NOTE 5: INVESTMENT SECURITIES: Investment, Policy (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE5INVESTMENTSECURITIESInvestmentPolicyDetails NOTE 5: INVESTMENT SECURITIES: Investment, Policy (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE5INVESTMENTSECURITIESInvestmentSecuritiesTables 84 false false R85.htm 000850 - Disclosure - NOTE 5: INVESTMENT SECURITIES: Unrealized Gain (Loss) on Investments (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE5INVESTMENTSECURITIESUnrealizedGainLossOnInvestmentsDetails NOTE 5: INVESTMENT SECURITIES: Unrealized Gain (Loss) on Investments (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE5INVESTMENTSECURITIESUnrealizedGainLossOnInvestmentsTables 85 false false R86.htm 000860 - Disclosure - NOTE 5: INVESTMENT SECURITIES: Sales of Available for Sale Securities (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE5INVESTMENTSECURITIESSalesOfAvailableForSaleSecuritiesDetails NOTE 5: INVESTMENT SECURITIES: Sales of Available for Sale Securities (Details) Details 86 false false R87.htm 000870 - Disclosure - NOTE 5: INVESTMENT SECURITIES: Other than temporary impairment securities (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE5INVESTMENTSECURITIESOtherThanTemporaryImpairmentSecuritiesDetails NOTE 5: INVESTMENT SECURITIES: Other than temporary impairment securities (Details) Details 87 false false R88.htm 000880 - Disclosure - NOTE 5: INVESTMENT SECURITIES: Credit Losses Recognized on Investments (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE5INVESTMENTSECURITIESCreditLossesRecognizedOnInvestmentsDetails NOTE 5: INVESTMENT SECURITIES: Credit Losses Recognized on Investments (Details) Details 88 false false R89.htm 000890 - Disclosure - NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Schedule of Accounts, Notes, Loans and Financing Receivable (Details) Notes http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESScheduleOfAccountsNotesLoansAndFinancingReceivableDetails NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Schedule of Accounts, Notes, Loans and Financing Receivable (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESScheduleOfAccountsNotesLoansAndFinancingReceivableTables 89 false false R90.htm 000900 - Disclosure - NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Schedule of Loans Classified by Aging Analysis (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESScheduleOfLoansClassifiedByAgingAnalysisDetails NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Schedule of Loans Classified by Aging Analysis (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESScheduleOfLoansClassifiedByAgingAnalysisTables 90 false false R91.htm 000910 - Disclosure - NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Nonaccrual (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESFinancingReceivableNonaccrualDetails NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Nonaccrual (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESFinancingReceivableNonaccrualTables 91 false false R92.htm 000920 - Disclosure - NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Allowance for Credit Loss (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESFinancingReceivableAllowanceForCreditLossDetails NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Allowance for Credit Loss (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESFinancingReceivableAllowanceForCreditLossTables 92 false false R93.htm 000930 - Disclosure - NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Financing Receivables (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESImpairedFinancingReceivablesDetails NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Financing Receivables (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESImpairedFinancingReceivablesTables 93 false false R94.htm 000940 - Disclosure - NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Loans Specific Valuation Allowance (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESImpairedLoansSpecificValuationAllowanceDetails NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Loans Specific Valuation Allowance (Details) Details 94 false false R95.htm 000950 - Disclosure - NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Troubled Debt Restructuring (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESFinancingReceivableTroubledDebtRestructuringDetails NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Troubled Debt Restructuring (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESFinancingReceivableTroubledDebtRestructuringTables 95 false false R96.htm 000960 - Disclosure - NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Loans Modified in Troubled Debt Restructurings by Segment (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESLoansModifiedInTroubledDebtRestructuringsBySegmentDetails NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Loans Modified in Troubled Debt Restructurings by Segment (Details) Details 96 false false R97.htm 000970 - Disclosure - NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Troubled Debt Restructured Loans Returned to Accrual Status (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESTroubledDebtRestructuredLoansReturnedToAccrualStatusDetails NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Troubled Debt Restructured Loans Returned to Accrual Status (Details) Details 97 false false R98.htm 000980 - Disclosure - NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESDetails NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESScheduleOfAccountsNotesLoansAndFinancingReceivableTables 98 false false R99.htm 000990 - Disclosure - NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable Credit Quality Indicators (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESFinancingReceivableCreditQualityIndicatorsDetails NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable Credit Quality Indicators (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE6LOANSANDALLOWANCEFORLOANLOSSESFinancingReceivableCreditQualityIndicatorsTables 99 false false R100.htm 001000 - Disclosure - NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: FDIC Indemnification Asset Policy (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE7ACQUIREDLOANSLOSSSHARINGAGREEMENTSANDFDICINDEMNIFICATIONASSETSFDICIndemnificationAssetPolicyDetails NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: FDIC Indemnification Asset Policy (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE7ACQUIREDLOANSLOSSSHARINGAGREEMENTSANDFDICINDEMNIFICATIONASSETSFDICIndemnificationAssetPolicyTables 100 false false R101.htm 001010 - Disclosure - NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Business Acquisition Fair Value and Expected Cash Flows Policy (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE7ACQUIREDLOANSLOSSSHARINGAGREEMENTSANDFDICINDEMNIFICATIONASSETSBusinessAcquisitionFairValueAndExpectedCashFlowsPolicyDetails NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Business Acquisition Fair Value and Expected Cash Flows Policy (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE7ACQUIREDLOANSLOSSSHARINGAGREEMENTSANDFDICINDEMNIFICATIONASSETSBusinessAcquisitionFairValueAndExpectedCashFlowsPolicyPolicies 101 false false R102.htm 001020 - Disclosure - NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Impact of Adjustments of Acquired Loans on Financial Results (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE7ACQUIREDLOANSLOSSSHARINGAGREEMENTSANDFDICINDEMNIFICATIONASSETSScheduleOfImpactOfAdjustmentsOfAcquiredLoansOnFinancialResultsDetails NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Impact of Adjustments of Acquired Loans on Financial Results (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE7ACQUIREDLOANSLOSSSHARINGAGREEMENTSANDFDICINDEMNIFICATIONASSETSScheduleOfImpactOfAdjustmentsOfAcquiredLoansOnFinancialResultsTables 102 false false R103.htm 001030 - Disclosure - NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Accretable Yield Changes for Acquired Loans (Details) Sheet http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE7ACQUIREDLOANSLOSSSHARINGAGREEMENTSANDFDICINDEMNIFICATIONASSETSScheduleOfAccretableYieldChangesForAcquiredLoansDetails NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Accretable Yield Changes for Acquired Loans (Details) Details http://www.greatsouthernbank.com/20200630/role/idr_DisclosureNOTE7ACQUIREDLOANSLOSSSHARINGAGREEMENTSANDFDICINDEMNIFICATIONASSETSScheduleOfAccretableYieldChangesForAcquiredLoansTables 103 false false R104.htm 001040 - 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