0001571049-15-005812.txt : 20150724 0001571049-15-005812.hdr.sgml : 20150724 20150724152434 ACCESSION NUMBER: 0001571049-15-005812 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 10 CONFORMED PERIOD OF REPORT: 20150630 FILED AS OF DATE: 20150724 DATE AS OF CHANGE: 20150724 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Southeastern Bank Financial CORP CENTRAL INDEX KEY: 0000880116 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 582005097 STATE OF INCORPORATION: GA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-24172 FILM NUMBER: 151004530 BUSINESS ADDRESS: STREET 1: 3530 WHEELER RD CITY: AUGUSTA STATE: GA ZIP: 30909 BUSINESS PHONE: 7067386990 MAIL ADDRESS: STREET 1: 3530 WHEELER RD CITY: AUGUSTA STATE: GA ZIP: 30909 FORMER COMPANY: FORMER CONFORMED NAME: GEORGIA BANK FINANCIAL CORP /GA DATE OF NAME CHANGE: 19940506 10-Q 1 t82786_10q.htm FORM 10-Q

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

(Mark One)

☒

Quarterly Report under Section 13 or 15(d) of the Securities Exchange Act of 1934

For the quarterly period ended June 30, 2015.

☐

Transition Report under Section 13 or 15(d) of the Securities Exchange Act of 1934

For the transition period from _______________ to ________________.

Commission File No. 0-24172


	Southeastern Bank Financial Corporation
(Exact name of registrant as specified in its charter)


	Georgia		58-2005097
(State of Incorporation)		(I.R.S. Employer Identification No.)


	3530 Wheeler Road, Augusta, Georgia 30909
(Address of principal executive offices)


	(706) 738-6990
(Issuer’s telephone number, including area code)


	Not Applicable
(Former name, former address and former fiscal year, if changed since last report)

Indicate by check mark whether the issuer: (1) filed all reports required to be filed by Section 13 or 15(d) of the Exchange Act during the past 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 ☒ No ☐

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

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


	Large accelerated filer ☐	Non-accelerated filer ☐ (do not check if a smaller reporting company)

	Accelerated filer ☐	Smaller reporting company ☒

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act): Yes ☐ No ☒

APPLICABLE ONLY TO CORPORATE ISSUERS

State the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date:

6,745,371 shares of common stock, $3.00 par value per share, outstanding as of July 21, 2015.

SOUTHEASTERN BANK FINANCIAL CORPORATION
FORM 10-Q
INDEX

			Page
Part I
	Item 1.	Financial Statements (Unaudited)

		Consolidated Balance Sheets as of June 30, 2015 and December 31, 2014	3

		Consolidated Statements of Comprehensive Income for the Three and Six Months ended June 30, 2015 and 2014	4

		Consolidated Statements of Cash Flows for the Six Months ended June 30, 2015 and 2014	6

		Notes to Consolidated Financial Statements	8

	Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	47

	Item 3.	Quantitative and Qualitative Disclosures about Market Risk	70

	Item 4.	Controls and Procedures	70

Part II Other Information
	Item 1.	Legal Proceedings	71
	Item 1A.	Risk Factors	71
	Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	71
	Item 3.	Defaults Upon Senior Securities	72
	Item 4.	Mine Safety Disclosures	72
	Item 5.	Other Information	72
	Item 6.	Exhibits	72

Signature			73

PART I

FINANCIAL INFORMATION

SOUTHEASTERN BANK FINANCIAL CORPORATION

Consolidated Balance Sheets

(Dollars in thousands, except share data)


Assets	June 30, 2015 (Unaudited)				December 31, 2014
Cash and due from banks	$	74,602		$	33,286
Interest-bearing deposits in other banks		3,541			2,709
Cash and cash equivalents		78,143			35,995
Available-for-sale securities		677,063			644,465
Loans held for sale, at fair value		26,469			18,365
Loans		942,537			966,356
Less allowance for loan losses		23,372			25,506
Loans, net		919,165			940,850

Premises and equipment, net		27,723			27,842
Accrued interest receivable		5,982			5,898
Bank-owned life insurance		37,467			36,908
Restricted equity securities		3,936			4,398
Other real estate owned		922			1,107
Deferred tax asset		15,722			15,263
Other assets		2,372			1,690
	$	1,794,964		$	1,732,781
Liabilities and Stockholders’ Equity
Deposits
Noninterest-bearing	$	227,261		$	196,624
Interest-bearing:
NOW accounts		391,651			354,038
Savings		539,023			521,570
Money management accounts		14,623			15,824
Time deposits		361,777			375,808
		1,534,335			1,463,864

Securities sold under repurchase agreements		649			10,678
Advances from Federal Home Loan Bank		56,000			64,000
Accrued interest payable and other liabilities		19,137			18,953
Due to broker		2,844			-
Subordinated debentures		20,000			20,000
Total liabilities		1,632,965			1,577,495

Stockholders’ equity:
Preferred stock, no par value; 10,000,000 shares authorized; 0 shares outstanding in 2015 and 2014, respectively		-			-
Common stock, $3.00 par value; 10,000,000 shares authorized; 6,744,891 and 6,744,891 shares issued in 2015 and 2014, respectively; 6,744,843 and 6,744,160 shares outstanding in 2015 and 2014, respectively		20,235			20,235
Additional paid-in capital		63,377			63,096
Retained earnings		79,774			71,902
Treasury stock, at cost; 48 and 731 shares in 2015 and 2014, respectively		(1	)		(18	)
Accumulated other comprehensive (loss) income, net		(1,386	)		71
Total stockholders’ equity		161,999			155,286
	$	1,794,964		$	1,732,781

See accompanying notes to unaudited consolidated financial statements.

SOUTHEASTERN BANK FINANCIAL CORPORATION

Consolidated Statements of Comprehensive Income
(Dollars in thousands, except share and per share data)

(Unaudited)


	Three Months Ended June 30,						Six Months Ended June 30,
	2015			2014			2015			2014
Interest income:
Loans, including fees	$	12,187		$	11,641		$	23,712		$	22,921
Investment securities		3,798			3,618			7,445			7,152
Interest-bearing deposits in other banks		17			18			34			33
Total interest income		16,002			15,277			31,191			30,106
Interest expense:
Deposits		1,451			1,586			2,911			3,174
Securities sold under repurchase agreements		2			2			5			3
Other borrowings		626			659			1,264			1,327
Total interest expense		2,079			2,247			4,180			4,504

Net interest income		13,923			13,030			27,011			25,602
Provision (Credit) for loan losses		(2,690	)		1,011			(2,143	)		2,068
Net interest income after provision for loan losses		16,613			12,019			29,154			23,534

Noninterest income:
Service charges and fees on deposits		1,843			1,792			3,587			3,421
Gain on sales of loans		1,758			1,373			3,312			2,192
Gain (loss) on sale of fixed assets, net		(62	)		13			(61	)		12
Investment securities gains (losses), net (includes ($897) and $26 for the three months ended and ($840) and $277 for the six months ended June 30, 2015 and 2014 accumulated other comprehensive income reclassifications for unrealized gains (losses) on available-for-sale securities)		(897	)		26			(840	)		277
Retail investment income		520			514			1,046			1,088
Trust service fees		355			319			691			642
Earnings from cash surrender value of bank-owned life insurance		281			281			559			559
Miscellaneous income		221			205			444			423
Total noninterest income		4,019			4,523			8,738			8,614
Noninterest expense:
Salaries and other personnel expense		6,662			6,148			13,249			11,914
Occupancy expenses		1,030			987			2,048			1,931
Other real estate losses (gains), net		(46	)		22			(112	)		(13	)
Prepayment fees		955			-			955			-
Other operating expenses		3,610			3,484			7,136			6,922
Total noninterest expense		12,211			10,641			23,276			20,754

Income before income taxes		8,421			5,901			14,616			11,394
Income tax expense		2,732			1,857			4,720			3,544
Net income	$	5,689		$	4,044		$	9,896		$	7,850

Other comprehensive income (loss):
Unrealized gain (loss) on derivatives	$	608		$	(288	)		242			(643	)
Unrealized gain (loss) on securities available-for-sale		(7,729	)		6,811			(3,466	)		15,298
Reclassification adjustment for realized (gain) loss on securities, net of OTTI		897			(26	)		840			(277	)
Tax effect		2,421			(2,527	)		927			(5,593	)
Total other comprehensive income (loss)		(3,803	)		3,970			(1,457	)		8,785
Comprehensive income	$	1,886		$	8,014		$	8,439		$	16,635

(continued)

SOUTHEASTERN BANK FINANCIAL CORPORATION

Consolidated Statements of Comprehensive Income
(Dollars in thousands, except share and per share data)

(Unaudited)


	Three Months Ended June 30,				Six Months Ended June 30,
	2015		2014		2015		2014

Basic net income per share	$	0.85	$	0.61	$	1.48	$	1.18

Diluted net income per share	$	0.85	$	0.60		1.47		1.17

Weighted average common shares outstanding		6,702,843		6,681,253		6,698,948		6,680,945

Weighted average number of common and common equivalent shares outstanding		6,713,661		6,686,332		6,710,415		6,682,954

See accompanying notes to unaudited consolidated financial statements.

SOUTHEASTERN BANK FINANCIAL CORPORATION

Consolidated Statements of Cash Flows
(Dollars in thousands)

(Unaudited)


	Six Months Ended June 30,
	2015			2014
Cash flows from operating activities:
Net income	$	9,896		$	7,850
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation		1,097			1,007
Deferred income tax expense (benefit)		468			(490	)
Provision (Credit) for loan losses		(2,143	)		2,068
Net investment securities losses (gains)		840			(277	)
Net amortization of premiums on investment securities		1,921			2,465
Earnings from CSV of bank-owned life insurance		(559	)		(559	)
Stock-based compensation expense		233			155
Prepayment fees on Federal Home Loan Bank advances		955			-
Loss (gain) on disposal of premises and equipment		61			(12	)
Gain on the sale of other real estate		(114	)		(32	)
Provision for other real estate valuation allowance		2			19
Gain on sales of loans		(3,312	)		(2,192	)
Real estate loans originated for sale		(108,540	)		(77,949	)
Proceeds from sales of real estate loans		103,748			66,560
(Increase) decrease in accrued interest receivable		(84	)		234
(Increase) decrease in other assets		(682	)		3,587
Increase in accrued interest payable and other liabilities		426			228
Net cash provided by operating activities		4,213			2,662

Cash flows from investing activities:
Proceeds from sales of available-for-sale securities		77,148			77,968
Proceeds from maturities and calls of available-for-sale securities		39,997			33,231
Purchase of available-for-sale securities		(152,285	)		(95,986	)
Proceeds from redemption of FHLB stock		500			471
Purchase of FHLB stock		(38	)		-
Net decrease (increase) in loans		23,719			(57,090	)
Additions to premises and equipment		(1,098	)		(1,421	)
Proceeds from sale of other real estate		405			225
Proceeds from sale of premises and equipment		59			50
Net cash used in investing activities		(11,593	)		(42,552	)

(continued)

SOUTHEASTERN BANK FINANCIAL CORPORATION

Consolidated Statements of Cash Flows
(Dollars in thousands)

(Unaudited)


	Six Months Ended June 30,
		2015			2014
Cash flows from financing activities:
Net increase in deposits		70,471			77,009
Net decrease in securities sold under repurchase agreements		(10,029	)		(155	)
Payments of Federal Home Loan Bank advances		(8,955	)		-
Purchase of treasury stock		(11	)		-
Payments on subordinated debentures		-			(1,547	)
Payment of cash dividends		(2,023	)		(1,745	)
Tax benefit from stock-based compensation		46			-
Proceeds from Directors’ stock purchase plan		29			27
Net cash provided by financing activities		49,528			73,589

Net increase in cash and cash equivalents		42,148			33,699
Cash and cash equivalents at beginning of period		35,995			47,336
Cash and cash equivalents at end of period	$	78,143		$	81,035

Supplemental disclosures of cash paid during the period for:
Interest	$	4,385		$	4,516
Income taxes		4,287			3,670

Supplemental information on noncash investing activities:
Loans transferred to other real estate owned	$	500		$	698
Loans provided for sales of other real estate owned		392			-
Due to broker		2,844			-

See accompanying notes to unaudited consolidated financial statements.

SOUTHEASTERN BANK FINANCIAL CORPORATION

Notes to Unaudited Consolidated Financial Statements

(Dollar amounts are expressed in thousands unless otherwise noted)

June 30, 2015

Note 1 – Summary of Significant Accounting Policies

(a) Nature of Operations and Principles of Consolidation

The accompanying consolidated financial statements include the accounts of Southeastern Bank Financial Corporation and its wholly-owned subsidiary, Georgia Bank & Trust Company of Augusta, Georgia, together referred to as “the Company.” Significant intercompany transactions and accounts are eliminated in consolidation. Dollar amounts are rounded to thousands except share and per share data.

The Company provides financial services through its offices in Richmond and Columbia Counties, Georgia, and Aiken County, South Carolina. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate. Commercial loans are expected to be repaid from cash flow from operations of businesses. The Company has a significant concentration of loans with real estate developers. The ability of these customers to repay their loans is dependent on the real estate and general economic conditions in the area.

The financial statements for the three and six months ended June 30, 2015 and 2014 are unaudited and have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission. Certain information and footnote disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted pursuant to such rules and regulations. These consolidated financial statements should be read in conjunction with the audited consolidated financial statements and footnotes included in the Company’s annual report on Form 10-K for the year ended December 31, 2014.

In the opinion of management, all adjustments necessary to present fairly the financial position and the results of operations and cash flows for the interim periods have been made. All such adjustments are of a normal recurring nature. The results of operations for the three and six months ended June 30, 2015 are not necessarily indicative of the results of operations which the Company may achieve for the entire year.

Some items in the prior period financial statements were reclassified to conform to the current presentation.

(b) Loans and Allowance for Loan Losses

Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of deferred loan fees and costs, and an allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments.

Non-Accrual Loan Procedures:

Interest income on loans of all segments and classes are generally discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Consumer loans are typically charged off no later than 120 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. A loan is moved to non-accrual status in accordance with the Company’s policy, typically after 90 days of non-payment as measured from the loan’s contractual due date.

All interest, accrued but not received, for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Subsequent payments of interest are recognized on the cash basis as income when full collection of principal is expected. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured and there is a period of at least 6 months of repayment performance (1 year for loans providing for quarterly or semi-annual payments) by the borrower in accordance with contractual terms.

Concentration of Credit Risk:

Most of the Company’s business activity is with customers located within the Augusta-Richmond County, GA-SC metropolitan statistical area, part of the Central Savannah River Area (“CSRA”). Therefore, the Company’s exposure to credit risk is significantly affected by changes in the economy in this area. The Company also has a significant concentration of loans with real estate developers.

Allowance for Loan Losses:

The allowance for loan losses (ALLL) is a valuation allowance for probable incurred credit losses. The allowance for loan losses is established through a provision for loan losses charged to expense. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired.

Impaired Loans and Troubled Debt Restructurings:

A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due (both principal and interest) according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.

All lending relationships over $500 are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosures. Troubled debt restructurings are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses.

The following portfolio segments have been identified:

•

Acquisition Development and Construction (“ADC”) – CSRA

•

ADC – Other

•

Commercial Real Estate – Non owner occupied

•

Commercial Real Estate – Owner occupied

•

1-4 Family

•

Consumer

•

Other – Commercial, Financial and Agricultural

The following is a discussion of the risk characteristics of these portfolio segments.

Acquisition, Development & Construction (ADC) – CSRA (Primary Market) – ADC lending carries all of the normal risks involved in lending including the changing nature of borrower and guarantor financial conditions and the knowledge that the sale of the completed lots and/or structures is likely the sole source of repayment as opposed to other forms of borrower cash flow. In addition, this type of lending carries several additional risk factors including: (1) timely project completion (contractor financial condition, commodity prices, weather delays, prospective tenant financial condition); (2) market factors (changing economic conditions, unemployment rates, end-user financing availability, interest rates); (3) competition (similar product availability, bank foreclosed properties); and (4) end-product price stability.

ADC – Other – ADC lending in all other markets carries all of the ADC risks outlined for the CSRA plus the additional risk of lending outside of the Company’s traditional market area where our knowledge of these markets may not be as well developed.

Commercial Real Estate – Non Owner Occupied – This lending category includes loans for office, warehouse, retail, hotel/motel and other non-owner occupied properties. Loans in this category carry more risk than owner-occupied properties because the property’s cash flow is not derived from the owner of the property’s business, but from unrelated tenants. These outside tenants are each subject to their own set of business risks depending upon their own financial situation, competitors, industry segment and general economic conditions. Therefore, the cash flow from the property in the form of rent may not be as stable as a one-user, owner-occupied property.

Commercial Real Estate – Owner Occupied – This portfolio segment includes loans to finance office buildings, retail establishments, warehouses, convenience stores, churches, schools, daycare facilities, restaurants, health care facilities, golf courses and other owner-occupied properties. Loans in this category generally carry less risk than non-owner occupied properties because the cash flow to service the property’s debt is derived from the owner of the property’s business as opposed to unrelated third-party tenants. The cash flows and property values for one-user, owner-occupied properties tend to be more stable because they are based upon the operation of the owner’s business as opposed to rent from a variety of smaller tenants (each of which carries its own set of business and market risks).

1-4 Family – This lending category includes loans secured by improved residential real estate. Loans in this category are affected by local real estate markets, local & national economic factors affecting borrowers’ employment prospects & income levels, and levels & movement of interest rates and the general availability of mortgage financing.

Consumer – This portfolio segment includes loans secured by consumer goods (e.g. vehicles, recreational products, equipment, etc.), but also may be unsecured. Similar to the 1-4 family category, this segment of the loan portfolio depends on a variety of local & national economic factors affecting borrowers’ employment prospects, income levels and overall economic sentiment.

Commercial, Financial and Agricultural – This portfolio segment includes loans for a wide variety of business purposes. This segment also includes home equity lines of credit, loans secured by multi-family properties and loans to government entities. Loans in this category are affected by changes in national, regional and local economic factors that affect the businesses that operate in our market.

The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans that become uncollectible, based on evaluations of the collectability of loans. The evaluations take into consideration such factors as changes in the nature and volume of the loan portfolio, historical loss rates, overall portfolio quality, review of specific problem loans, and current economic conditions and trends that may affect a borrower’s ability to pay. The allowance is evaluated on a regular basis utilizing estimated loss factors for specific types of loans. Such loss factors are periodically reviewed and adjusted as necessary based on actual losses.

While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may advise the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.

The process of assessing the adequacy of the allowance is necessarily subjective. Further, and particularly in terms of economic downturns, it is reasonably possible that future credit losses may exceed historical loss levels and may also exceed management’s current estimates of probable incurred credit losses inherent within the loan portfolio. As such, there can be no assurance that future loan charge-offs will not exceed management’s current estimate of the allowance for loan losses.

ALLL Methodology:

The Company’s approach to ALLL reserve calculation uses two distinct perspectives, the guidelines of using Financial Accounting Standards ASC 450 (Accounting for Contingencies) and ASC 310 (Accounting by Creditors for Impairment of a Loan, for individual loans). The process is generally as follows and methodology applies to all classes of loans within the portfolio segments:

•

Loans are grouped in categories of similar risk characteristics (portfolio segments).

•

For each loan category, a four year average rolling historical net loss rate is calculated, with the loss rate more heavily weighted to the most recent two years loss history. The historical loss ratios are adjusted for internal and external qualitative factors within each loan category. The qualitative factor adjustment may be further increased for loan classifications of watch rated and substandard within each category. Factors include:

○

levels and trends in delinquencies and impaired/classified/graded loans;

○

changes in the quality of the loan review system;

○

trends in volume and terms of loans;

○

effects of changes in risk selection and underwriting standards, and other changes in lending policies, procedures and practices;

○

experience, ability, and depth of lending management and other relevant staff;

○

national and local economic trends and conditions;

○

changes in the value of underlying collateral;

○

other external factors-competition, legal and regulatory requirements; and

○

effects of changes in credit concentrations.

•

The resultant loss factor is applied to each respective loan pool to calculate the ALLL for each loan pool.

•

The total of each loan pool is then added to the ALLL determined for individual loans evaluated for impairment in accordance with ASC 310.

There have been no changes to the methodology during 2015 and 2014.

Loans Held for Sale:

Mortgage loans held for sale are generally sold with servicing rights released. The Company originates mortgages to be held for sale only for loans that have been individually pre-approved by the investor. Mortgage loans originated and intended for sale in the secondary market are carried at fair value, as determined by outstanding commitments from investors.

Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold.

The Company bears minimal interest rate risk on these loans and only holds the loans temporarily until documentation can be completed to finalize the sale to the investor.

Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as free standing derivatives. Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked. The Company enters into forward commitments for the future delivery of mortgage loans when interest rate locks are entered into, in order to hedge the change in interest rates resulting from its commitments to fund the loans. Changes in the fair values of these derivatives are included in net gains on sales of loans. Fair values of these derivatives were $50 and $6 as of June 30, 2015 and December 31, 2014, respectively.

At the inception of a derivative contract, the Company designates the derivative as one of three types based on the Company’s intentions and belief as to likely effectiveness as a hedge. These three types are (1) a hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (“fair value hedge”), (2) a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to a recognized asset or liability (“cash flow hedge”), or (3) an instrument with no hedging designation (“stand-alone derivative”). For a fair value hedge, the gain or loss on the derivative, as well as the offsetting loss or gain on the hedged item, are recognized in current earnings as fair values change. For a cash flow hedge, the gain or loss on the derivative is reported in other comprehensive income and is reclassified into earnings in the same periods during which the hedged transaction affects earnings. For both types of hedges, changes in the fair value of derivatives that are not highly effective in hedging the changes in fair value or expected cash flows of the hedged item are recognized immediately in current earnings. Changes in the fair value of derivatives that do not qualify for hedge accounting are reported currently in earnings, as noninterest income.

Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest income or interest expense, based on the item being hedged. Net cash settlements on derivatives that do not qualify for hedge accounting are reported in noninterest income. Cash flows on hedges are classified in the cash flow statement the same as the cash flows of the items being hedged.

The Company formally documents the relationship between derivatives and hedged items, as well as the risk-management objective and the strategy for undertaking hedge transactions at the inception of the hedging relationship. This documentation includes linking fair value or cash flow hedges to specific assets and liabilities on the balance sheet or to specific firm commitments or forecasted transactions. The Company also formally assesses, both at the hedge’s inception and on an ongoing basis, whether the derivative instruments that are used are highly effective in offsetting changes in fair values or cash flows of the hedged items. The Company discontinues hedge accounting when it determines that the derivative is no longer effective in offsetting changes in the fair value or cash flows of the hedged item, the derivative is settled or terminates, a hedged forecasted transaction is no longer probable, a hedged firm commitment is no longer firm, or treatment of the derivative as a hedge is no longer appropriate or intended.

When hedge accounting is discontinued, subsequent changes in fair value of the derivative are recorded as noninterest income. When a fair value hedge is discontinued, the hedged asset or liability is no longer adjusted for changes in fair value and the existing basis adjustment is amortized or accreted over the remaining life of the asset or liability. When a cash flow hedge is discontinued but the hedged cash flows or forecasted transactions are still expected to occur, gains or losses that were accumulated in other comprehensive income are amortized into earnings over the same periods which the hedged transactions will affect earnings.

(d) Recent Accounting Pronouncements

In May 2014, the FASB issued an update (ASU No. 2014-09, Revenue from Contracts with Customers) creating FASB Topic 606, Revenue from Contracts with Customers. The guidance in this update affects any entity that either enters into contracts with customers to transfer goods or services or enters into contracts for the transfer of nonfinancial assets unless those contracts are within the scope of other standards (for example, insurance contracts or lease contracts). The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The guidance provides steps to follow to achieve the core principle. An entity should disclose sufficient information to enable users of financial statements to understand the nature, amount, timing and uncertainty of revenue and cash flows arising from contracts with customers. Qualitative and quantitative information is required about contracts with customers, significant judgments and changes in judgments, and assets recognized from the costs to obtain or fulfill a contract. The amendments in this update are effective for interim and annual reporting periods beginning after December 15, 2017. We are currently evaluating the impact of adopting the new guidance on the consolidated financial statements.

Note 2 – Investment Securities

All investment securities held at June 30, 2015 and December 31, 2014 are classified as available-for-sale.

The following tables summarize the amortized cost and fair value of the available-for-sale investment securities portfolio at June 30, 2015 and December 31, 2014 and the corresponding amounts of unrealized gains and losses therein.

	June 30, 2015
			Gross		Gross
	Amortized		unrealized		unrealized			Estimated
	cost		gains		losses			fair value
Available-for-sale	(Dollars in thousands)
Obligations of U.S. Government agencies	$	194,100		414		(1,983	)		192,531
Obligations of states and political subdivisions		126,094		2,666		(1,159	)		127,601
Mortgage backed securities
U.S. GSE’s* MBS - residential		118,416		1,057		(1,052	)		118,421
U.S. GSE’s CMO		136,331		708		(1,096	)		135,943
Corporate bonds		102,672		836		(941	)		102,567
	$	677,613		5,681		(6,231	)		677,063

* Government sponsored entities

	December 31, 2014
			Gross		Gross
	Amortized		unrealized		unrealized			Estimated
	cost		gains		losses			fair value
Available-for-sale	(Dollars in thousands)
Obligations of U.S. Government agencies	$	181,104		307		(2,667	)		178,744
Obligations of states and political subdivisions		98,538		3,400		(183	)		101,755
Mortgage backed securities
U.S. GSE’s MBS - residential		128,891		1,672		(527	)		130,036
U.S. GSE’s CMO		123,921		983		(443	)		124,461
Corporate bonds		109,936		990		(1,457	)		109,469
	$	642,390		7,352		(5,277	)		644,465

As of June 30, 2015, except for the U.S. Government agencies and government sponsored entities, there was no issuer who represented 10% or more of stockholders’ equity within the investment portfolio.

As of December 31, 2014, except for the U.S. Government agencies and government sponsored entities, there was no issuer who represented 10% or more of stockholders’ equity within the investment portfolio.

Proceeds from sales of securities available-for-sale and the associated gains (losses), excluding gains (losses) on called securities, for the three and six months ended June 30, 2015 and 2014 were as follows:


	Three Months Ended June 30,						Six Months Ended June 30,
	2015			2014			2015				2014
	(Dollars in thousands)						(Dollars in thousands)

Proceeds	$	53,848		$	34,609		$	77,148		$	77,968
Gross Gains		111			438			219			910
Gross Losses		(1,008	)		(412	)		(1,059	)		(633	)

The amortized cost and fair value of the investment securities portfolio, excluding equity securities, are shown below by contractual maturity. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties.

	June 30, 2015
	Amortized		Estimated
	cost		fair value
	(Dollars in thousands)
Available-for-sale:
One year or less	$	4,759		4,804
After one year through five years		98,801		99,797
After five years through ten years		186,480		185,105
After ten years		387,573		387,357
	$	677,613		677,063

The following tables summarize the investment securities with unrealized losses at June 30, 2015 and December 31, 2014, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position.

	June 30, 2015
	Less than 12 months			12 months or longer			Total
		Estimated	Unrealized		Estimated	Unrealized	Estimated	Unrealized
		fair value	loss		fair value	loss	fair value	loss
Temporarily impaired	(Dollars in thousands)
Obligations of U.S. Government agencies	$	47,395	300		78,689	1,683	126,084	1,983
Obligations of states and political subdivisions		49,949	1,042		3,426	117	53,375	1,159
Mortgage backed securities
U.S. GSE’s MBS - residential		42,756	730		11,907	322	54,663	1,052
U.S. GSE’s CMO		72,520	894		7,203	202	79,723	1,096
Corporate bonds		47,816	529		15,245	412	63,061	941
	$	260,436	3,495		116,470	2,736	376,906	6,231

	December 31, 2014
	Less than 12 months				12 months or longer				Total
	Estimated		Unrealized		Estimated		Unrealized		Estimated		Unrealized
	fair value			loss	fair value		loss		fair value		loss
Temporarily impaired	(Dollars in thousands)
Obligations of U.S. Government agencies	$	19,108		98		112,541		2,569		131,649		2,667
Obligations of states and political subdivisions		11,285		49		6,048		134		17,333		183
Mortgage backed securities
U.S. GSE’s MBS - residential		9,041		44		35,529		483		44,570		527
U.S. GSE’s CMO		36,594		216		18,205		227		54,799		443
Corporate bonds		29,769		204		29,421		1,253		59,190		1,457
	$	105,797		611		201,744		4,666		307,541		5,277

Other-Than-Temporary Impairment – June 30, 2015

Management evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Investment securities classified as available-for-sale or held-to-maturity are generally evaluated for OTTI under the provisions of ASC 320-10, Investments – Debt and Equity Securities. In determining OTTI, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the entity has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time.

When OTTI occurs, the amount of the OTTI recognized in earnings depends on whether an entity intends to sell the security or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis. If an entity intends to sell or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, the OTTI shall be recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. If an entity does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis, the OTTI shall be separated into the amount representing the credit loss and the amount related to all other factors. The amount of the total OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of the total OTTI related to other factors is recognized in other comprehensive income or loss, net of applicable taxes. The previous amortized cost basis less the OTTI recognized in earnings becomes the new amortized cost basis of the investment.

As of June 30, 2015, the Company’s security portfolio consisted of 430 securities, 218 of which were in an unrealized loss position. Of these securities with unrealized losses, 49.57% were related to the Company’s mortgage-backed and corporate securities as discussed below.

Mortgage-backed Securities

At June 30, 2015, all of the Company’s mortgage-backed securities were issued by U.S. government-sponsored entities and agencies, primarily the Federal National Mortgage Association (“Fannie Mae”), the Federal Home Loan Mortgage Corporation (“Freddie Mac”) and the Government National Mortgage Association (“Ginnie Mae”), institutions which the government has affirmed its commitment to support. Because the decline in fair value is attributable to changes in interest rates and illiquidity, and not credit quality, and because the Company does not have the intent to sell these mortgage-backed securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at June 30, 2015.

Corporate Securities

The Company holds forty-seven corporate securities totaling $102,567, of which thirty-one had an unrealized loss of $941 at June 30, 2015. Thirty of the securities with an unrealized loss of $821 were issued by entities rated lower medium investment grade or higher. Because the decline in fair value is attributable primarily to changes in interest rates and not credit quality and because the Company does not have the intent to sell the securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at June 30, 2015.

Included in the Company’s corporate bonds is one trust preferred security with an amortized cost of $250, which had an unrealized loss of $120, resulting in a fair value of $130 at June 30, 2015. This security is not rated. Although the issuer is not in default, in January of 2011 the Company was notified that the issuer had elected to defer interest payments in accordance with the terms of the instrument. As of July of 2015, the issuer is no longer deferring interest and is current on all payments. Because the Company does not have the intent to sell this security and it is likely that it will not be required to sell the security before its anticipated recovery, the Company does not consider this security to be other-than-temporarily impaired at June 30, 2015.

There were no credit losses recognized in earnings for the six month periods ended June 30, 2015 and 2014.

Other-Than-Temporary Impairment – December 31, 2014

As of December 31, 2014, the Company’s security portfolio consisted of 378 securities, 145 of which were in an unrealized loss position. Of these securities with unrealized losses, 45.99% were related to the Company’s mortgage backed and corporate securities as discussed below.

Mortgage-backed Securities

At December 31, 2014, all of the Company’s mortgage-backed securities were issued by U.S. government-sponsored entities and agencies, primarily the Federal National Mortgage Association (“Fannie Mae”), the Federal Home Loan Mortgage Corporation (“Freddie Mac”) and the Government National Mortgage Association (“Ginnie Mae”), institutions which the government has affirmed its commitment to support. Because the decline in fair value is attributable to changes in interest rates and illiquidity, and not credit quality, and because the Company does not have the intent to sell these mortgage-backed securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2014.

Corporate Securities

The Company holds forty-five corporate securities totaling $109,469, of which twenty-five had an unrealized loss of $1,457 at December 31, 2014. Twenty-four of the securities with an unrealized loss of $1,319 were issued by entities rated lower medium investment grade or higher. Because the decline in fair value is attributable primarily to changes in interest rates and not credit quality and because the Company does not have the intent to sell the securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2014.

Included in the Company’s corporate bonds is one trust preferred security with an amortized cost of $250, which had an unrealized loss of $138, resulting in a fair value of $112 at December 31, 2014. This security is not rated. Although the issuer is not in default, in January of 2011 the Company was notified that the issuer had elected to defer interest payments in accordance with the terms of the instrument. As of July 2015, the issuer is no longer deferring interest and is current on all payments. Because the Company does not have the intent to sell this security and it is likely that it will not be required to sell the security before its anticipated recovery, the Company does not consider this security to be other-than-temporarily impaired at December 31, 2014.

At December 31, 2014, the fair value of this same corporate security totaling $112 was measured using Level 3 inputs because the market for it has become illiquid, as indicated by few, if any, trades during the period. The discount rate used in the valuation model was based on a yield of 10% that the market would require for corporate debt obligations with maturities and risk characteristics similar to the subordinated debenture being measured.

There were no credit losses recognized in earnings for the year ended December 31, 2014.

Note 3 – Loans

The following table summarizes loans at June 30, 2015 and December 31, 2014.

	June 30, 2015			December 31, 2014
	(Dollars in thousands)

Commercial, financial, and agricultural	$	193,735			208,905
Real estate:
Commercial		375,225			371,488
Residential		207,067			204,097
Acquisition, development and construction		149,517			164,303
Consumer installment		16,863			17,248
	$	942,407			966,041
Less allowance for loan losses		23,372			25,506
Less deferred loan origination fees (costs)		(130	)		(315	)
	$	919,165			940,850

The following tables present the activity in the allowance for loan losses by portfolio segment as of and for the three and six month periods ended June 30, 2015 and 2014.

	Three Months Ended June 30, 2015
	Commercial,
	Financial, and			CRE - Owner			CRE - Non Owner		Residential			ADC			ADC
	Agricultural			Occupied			Occupied		Real Estate			CSRA			Other			Consumer			Total
	(Dollars in thousands)
Allowance for loan losses:
Beginning balance	$	5,295			5,373			3,838		6,355			1,631			2,197			702			25,391
Charge-offs		(517	)		(74	)		—		(245	)		(250	)		(20	)		(132	)		(1,238	)
Recoveries		187			1			—		1			—			1,666			54			1,909
Provision		(538	)		141			3		225			424			(2,922	)		(23	)		(2,690	)
Ending balance	$	4,427			5,441			3,841		6,336			1,805			921			601			23,372

	Three Months Ended June 30, 2014
	Commercial,
	Financial, and			CRE - Owner			CRE - Non Owner		Residential			ADC			ADC
	Agricultural			Occupied			Occupied		Real Estate			CSRA			Other		Consumer			Total
	(Dollars in thousands)
Allowance for loan losses:
Beginning balance	$	5,570			6,036			3,073		5,503			2,757			2,789		572			26,300
Charge-offs		(240	)		(18	)		—		(84	)		(55	)		—		(129	)		(526	)
Recoveries		15			4			—		19			—			—		60			98
Provision		229			111			404		210			(191	)		163		85			1,011
Ending balance	$	5,574			6,133			3,477		5,648			2,511			2,952		588			26,883

	Six Months Ended June 30, 2015
	Commercial,
	Financial, and			CRE - Owner			CRE - Non Owner		Residential			ADC			ADC
	Agricultural			Occupied			Occupied		Real Estate			CSRA			Other			Consumer			Total
	(Dollars in thousands)
Allowance for loan losses:
Beginning balance	$	5,407			4,805			3,817		6,591			1,943			2,320			623			25,506
Charge-offs		(1,134	)		(74	)		—		(286	)		(255	)		(20	)		(261	)		(2,030	)
Recoveries		217			2			—		12			—			1,695			113			2,039
Provision		(63	)		708			24		19			117			(3,074	)		126			(2,143	)
Ending balance	$	4,427			5,441			3,841		6,336			1,805			921			601			23,372

	Six Months Ended June 30, 2014
	Commercial,
	Financial, and			CRE - Owner			CRE - Non Owner			Residential			ADC			ADC
	Agricultural			Occupied			Occupied			Real Estate			CSRA			Other			Consumer			Total
	(Dollars in thousands)
Allowance for loan losses:
Beginning balance	$	5,774			5,706			3,275			5,590			3,107			2,379			578			26,409
Charge-offs		(375	)		(18	)		(718	)		(224	)		(151	)		(69	)		(286	)		(1,841	)
Recoveries		36			8			24			26			—			—			153			247
Provision		139			437			896			256			(445	)		642			143			2,068
Ending balance	$	5,574			6,133			3,477			5,648			2,511			2,952			588			26,883

The following tables present the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of June 30, 2015 and December 31, 2014.

	June 30, 2015
	Commercial,
	Financial, and		CRE - Owner		CRE - Non Owner		Residential		ADC		ADC
	Agricultural		Occupied		Occupied		Real Estate		CSRA		Other		Consumer		Total
	(Dollars in thousands)
Allowance for loan losses:
Ending balance attributable to loans:
Individually evaluated for impairment	$	—		—		—		—		—		—		—		—
Collectively evaluated for impairment		4,427		5,441		3,841		6,336		1,805		921		601		23,372
	$	4,427		5,441		3,841		6,336		1,805		921		601		23,372

Loans:
Individually evaluated for impairment		1,072		276		7,520		2,295		2,541		64		1		13,769
Collectively evaluated for impairment		192,663		218,208		149,221		204,772		108,060		38,852		16,862		928,638
	$	193,735		218,484		156,741		207,067		110,601		38,916		16,863		942,407

	December 31, 2014
	Commercial,
	Financial, and		CRE - Owner		CRE - Non Owner		Residential		ADC		ADC
	Agricultural		Occupied		Occupied		Real Estate		CSRA		Other		Consumer		Total
	(Dollars in thousands)
Allowance for loan losses:
Ending balance attributable to loans:
Individually evaluated for impairment	$	207		—		—		—		—		—		—		207
Collectively evaluated for impairment		5,200		4,805		3,817		6,591		1,943		2,320		623		25,299
	$	5,407		4,805		3,817		6,591		1,943		2,320		623		25,506

Loans:
Individually evaluated for impairment		2,995		1,289		7,687		2,285		2,849		3,082		2		20,189
Collectively evaluated for impairment		205,910		218,619		143,893		201,812		107,235		51,137		17,246		945,852
	$	208,905		219,908		151,580		204,097		110,084		54,219		17,248		966,041

The following tables present loans individually evaluated for impairment by class of loans as of June 30, 2015 and December 31, 2014.

	June 30, 2015
	Unpaid				Allowance for		Average
	Principal		Recorded		Loan Losses		Recorded
	Balance		Investment (2)		Allocated		Investment
			(Dollars in thousands)
With no related allowance recorded: (1)
Commercial, financial, and agricultural:
Commerical	$	1,987		882		—		1,660
Financial		—		—		—		—
Agricultural		252		190		—		196
Equity lines		—		—		—		—
Other		—		—		—		—
Commercial real estate:
Owner occupied		276		276		—		278
Non Owner occupied		7,754		7,520		—		7,602
Residential real estate:
Secured by first liens		2,879		2,195		—		2,384
Secured by junior liens		150		100		—		102
Acquisition, development and construction:
Residential		—		—		—		—
Other		3,580		2,605		—		2,865
Consumer		1		1		—		2
		16,879		13,769		—		15,089

With an allowance recorded:		—		—		—		—
	$	16,879		13,769		—		15,089

(1) No specific allowance for credit losses is allocated to these loans since they are sufficiently collateralized or had charge-offs
(2) Excludes accrued interest receivable and loan origination fees, net due to immateriality


	December 31, 2014
	Unpaid				Allowance for			Average
	Principal		Recorded		Loan Losses		Recorded
	Balance		Investment (2)		Allocated		Investment
	(Dollars in thousands)
With no related allowance recorded: (1)
Commercial, financial, and agricultural:
Commerical	$	2,000		611		—		1,805
Financial		—		—		—		—
Agricultural		263		206		—		231
Equity lines		—		—		—		—
Other		—		—		—		—
Commercial real estate:
Owner occupied		1,385		1,289		—		1,377
Non Owner occupied		7,907		7,687		—		7,792
Residential real estate:
Secured by first liens		2,711		2,181		—		2,229
Secured by junior liens		150		104		—		110
Acquisition, development and construction:
Residential		—		—		—		—
Other		8,518		5,931		—		7,326
Consumer		2		2		—		3
		22,936		18,011		—		20,873
With an allowance recorded:
Commercial, financial, and agricultural:
Commerical		2,245		2,178		207		2,203
		2,245		2,178		207		2,203
	$	25,181		20,189		207		23,076

(1) No specific allowance for credit losses is allocated to these loans since they are sufficiently collateralized or had charge-offs

(2) Excludes accrued interest receivable and loan origination fees, net due to immateriality

The following tables present interest income on impaired loans for the three and six months ended June 30, 2015 and 2014.

	Three Months Ended June 30, 2015				Six Months Ended June 30, 2015
	Interest		Cash Basis		Interest		Cash Basis
	Income		Interest Income		Income		Interest Income
	Recognized		Recognized		Recognized		Recognized
	(Dollars in thousands)				(Dollars in thousands)
Commercial, financial, and agricultural:
Commerical	$	—		—		—		—
Financial		—		—		—		—
Agricultural		—		—		—		—
Equity lines		—		—		—		—
Other		—		—		—		—
Commercial real estate:
Owner occupied		3		3		6		6
Non Owner occupied		73		73		178		178
Residential real estate:
Secured by first liens		9		9		30		30
Secured by junior liens		1		1		3		3
Acquisition, development and construction:
Residential		—		—		—		—
Other		7		7		13		13
Consumer		—		—		—		—
	$	93		93		230		230

	Three Months Ended June 30, 2014				Six Months Ended June 30, 2014
	Interest		Cash Basis		Interest		Cash Basis
	Income		Interest Income		Income		Interest Income
	Recognized		Recognized		Recognized		Recognized
	(Dollars in thousands)				(Dollars in thousands)
Commercial, financial, and agricultural:
Commerical	$	—		—		—		—
Financial		—		—		—		—
Agricultural		—		—		—		—
Equity lines		—		—		—		—
Other		—		—		—		—
Commercial real estate:
Owner occupied		3		3		7		7
Non Owner occupied		80		80		163		163
Residential real estate:
Secured by first liens		6		6		12		12
Secured by junior liens		1		1		3		3
Acquisition, development and construction:
Residential		—		—		—		—
Other		11		11		21		21
Consumer		—		—		—		—
	$	101		101		206		206

Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans.

The following tables present the aging of the recorded investment in past due loans as of June 30, 2015 and December 31, 2014 by class of loans.

	June 30, 2015
	30 - 89 Days		90 Days or		Nonaccrual		Total		Loans Not
	Past Due		More Past Due		Loans		Past Due		Past Due		Total
	(Dollars in thousands)
Commercial, financial, and agricultural:
Commerical	$	28		—		903		931		104,016		104,947
Financial		—		—		—		—		7,273		7,273
Agricultural		264		—		190		454		11,381		11,835
Equity lines		35		—		95		130		36,331		36,461
Other		—		—		69		69		33,150		33,219
Commercial real estate:
Owner occupied		5,167		—		300		5,467		213,017		218,484
Non Owner occupied		—		—		844		844		155,897		156,741
Residential real estate:
Secured by first liens		351		—		3,015		3,366		197,679		201,045
Secured by junior liens		—		—		336		336		5,686		6,022
Acquisition, development and construction:
Residential		—		—		—		—		43,884		43,884
Other		866		—		2,337		3,203		102,430		105,633
Consumer		46		—		69		115		16,748		16,863
	$	6,757		—		8,158		14,915		927,492		942,407

	December 31, 2014
	30 - 89 Days		90 Days or		Nonaccrual		Total		Loans Not
	Past Due		More Past Due		Loans		Past Due		Past Due		Total
	(Dollars in thousands)
Commercial, financial, and agricultural:
Commerical	$	—		—		2,865		2,865		119,815		122,680
Financial		—		—		—		—		9,355		9,355
Agricultural		276		—		206		482		9,315		9,797
Equity lines		33		—		318		351		33,298		33,649
Other		—		—		69		69		33,355		33,424
Commercial real estate:
Owner occupied		1,638		—		620		2,258		217,650		219,908
Non Owner occupied		—		—		877		877		150,703		151,580
Residential real estate:
Secured by first liens		2,919		—		3,451		6,370		190,970		197,340
Secured by junior liens		347		—		188		535		6,222		6,757
Acquisition, development and construction:
Residential		—		—		—		—		45,264		45,264
Other		258		—		5,874		6,132		112,907		119,039
Consumer		44		—		136		180		17,068		17,248
	$	5,515		—		14,604		20,119		945,922		966,041

Troubled Debt Restructurings:

The Company has troubled debt restructurings (TDRs) with a balance of $9,136 and $9,669 included in impaired loans at June 30, 2015 and December 31, 2014, respectively. No specific reserves were allocated to customers whose loan terms had been modified in TDRs as of June 30, 2015 and December 31, 2014. The Company is not committed to lend additional amounts as of June 30, 2015 and December 31, 2014 to customers with outstanding loans that are classified as TDRs.

The following tables present TDRs as of June 30, 2015 and December 31, 2014.

	June 30, 2015
	Number of		Recorded
	Loans		Investment
	(Dollars in thousands)
Troubled Debt Restructurings:
Commercial, financial, and agricultural:
Commerical		-	$	-
Financial		-		-
Agricultural		-		-
Equity lines		-		-
Other		-		-
Commercial real estate:
Owner occupied		1		276
Non Owner occupied		4		5,752
Residential real estate:
Secured by first liens		9		1,095
Secured by junior liens		1		100
Acquisition, development and construction:
Residential		-		-
Other		3		1,913
Consumer		-		-
		18	$	9,136

	December 31, 2014
	Number of		Recorded
	Loans		Investment
	(Dollars in thousands)
Troubled Debt Restructurings:
Commercial, financial, and agricultural:
Commerical		-	$	-
Financial		-		-
Agricultural		-		-
Equity lines		-		-
Other		-		-
Commercial real estate:
Owner occupied		2		354
Non Owner occupied		4		5,878
Residential real estate:
Secured by first liens		9		1,112
Secured by junior liens		1		104
Acquisition, development and construction:
Residential		-		-
Other		3		2,221
Consumer		-		-
		19	$	9,669

No loans were modified as TDRs during the six months ended June 30, 2015. One residential real estate loan was modified as a TDR during the six months ended June 30, 2014. This modification involved a 2.13% reduction of the stated interest rate of the loan and an extension of the maturity date for 192 months.

The following tables present loans by class modified as TDRs that occurred during the three and six months ended June 30, 2015 and 2014.

Three Months Ended June 30, 2015

Three Months Ended June 30, 2014

Pre-Modification

Post-Modification

Pre-Modification

Post-Modification

Number of

Outstanding

Number of

Outstanding

Loans

Recorded Investment

Loans

Recorded Investment

(Dollars in thousands)

Troubled Debt Restructurings:

Commercial, financial, and agricultural:

Commerical

Financial

Agricultural

Equity lines

Other

Commercial real estate:

Owner occupied

Non Owner occupied

Residential real estate:

Secured by first liens

Secured by junior liens

Acquisition, development and construction:

Residential

Other

Consumer

	Six Months Ended June 30, 2015						Six Months Ended June 30, 2014
			Pre-Modification		Post-Modification				Pre-Modification		Post-Modification
	Number of		Outstanding		Outstanding		Number of		Outstanding		Outstanding
	Loans		Recorded Investment		Recorded Investment		Loans		Recorded Investment		Recorded Investment
	(Dollars in thousands)						(Dollars in thousands)
Troubled Debt Restructurings:
Commercial, financial, and agricultural:
Commerical		-	$	-	$	-		-	$	-	$	-
Financial		-		-		-		-		-		-
Agricultural		-		-		-		-		-		-
Equity lines		-		-		-		-		-		-
Other		-		-		-		-		-		-
Commercial real estate:
Owner occupied		-		-		-		-		-		-
Non Owner occupied		-		-		-		-		-		-
Residential real estate:
Secured by first liens		-		-		-		1		287		220
Secured by junior liens		-		-		-		-		-		-
Acquisition, development and construction:
Residential		-		-		-		-		-		-
Other		-		-		-		-		-		-
Consumer		-		-		-		-		-		-
		-	$	-	$	-		1	$	287	$	220

A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. There were no TDRs with payment defaults during the three and six months ended June 30, 2015 and June 31, 2014.

For the six months ended June 30, 2014, the TDR described in the previous table increased the allowance for loan losses by $53 and resulted in charge-offs of $53.

Charge-offs on such loans are factored into the rolling historical loss rate, which is used in the calculation of the allowance for loan losses.

The terms of certain other loans were modified during the three and six month periods ended June 30, 2015 and 2014 that did not meet the definition of a TDR. Loans modified during the three month periods have a total recorded investment as of June 30, 2015 and 2014 of $1,870 and $621, respectively, and had delays in payment of 30 days in 2015 and delays ranging from 30 days to 2 months in 2014. Loans modified during the six month periods have a total recorded investment as of June 30, 2015 and 2014 of $4,019 and $1,453, respectively, and had delays in payment ranging from 30 days to 3 months in 2015 and 2014. The modification of these loans involved either a modification of the terms of a loan to borrowers who were not experiencing financial difficulties or a delay in a payment that was considered to be insignificant.

In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy.

Credit Quality Indicators:

The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company, through its originating account officer, places an initial credit risk rating on every loan. An annual review and analysis of loan relationships (irrespective of loan types included in the overall relationship) with total related exposure of $500 or greater is performed by the Credit Administration department in order to update risk ratings given current available information.

Through the review of delinquency reports, updated financial statements or other relevant information in the normal course of business, the lending officer and/or Credit Administration review personnel may determine that a loan relationship has weakened to the point that a criticized (Watch grade) or classified (Substandard & Doubtful grades) status is warranted. When a loan relationship with total related exposure of $200 or greater is adversely graded (Watch or above), the lending officer is then charged with preparing a Classified/Watch report which outlines the background of the credit problem, current repayment status of the loans, current collateral evaluation and a workout plan of action. This plan may include goals to improve the credit rating, assisting the borrower in moving the loans to another institution and/or collateral liquidation. All such Classified/Watch reports are reviewed on a quarterly basis by members of Executive Management at a regularly scheduled meeting in which each lending officer presents the workout plans for their criticized credit relationships.

The Company uses the following definitions for risk ratings.

Watch: Loans classified as watch have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.

Substandard: Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

Doubtful: Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. As of June 30, 2015 and December 31, 2014, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows.

	June 30, 2015
	Pass		Watch		Substandard		Doubtful
	(Dollars in thousands)
Commercial, financial, and agricultural:
Commerical	$	99,961		2,195		2,791		—
Financial		7,273		—		—		—
Agricultural		8,638		2,564		633		—
Equity lines		35,376		719		366		—
Other		32,814		336		69		—
Commercial real estate:
Owner occupied		196,336		15,262		6,886		—
Non Owner occupied		143,630		4,909		8,202		—
Residential real estate:
Secured by first liens		188,462		7,796		4,787		—
Secured by junior liens		5,197		194		631		—
Acquisition, development and construction:
Residential		43,781		103		—		—
Other		96,258		6,233		3,142		—
Consumer		16,353		396		114		—
	$	874,079		40,707		27,621		—

	December 31, 2014
	Pass		Watch		Substandard		Doubtful
	(Dollars in thousands)
Commercial, financial, and agricultural:
Commerical	$	109,908		7,782		4,990		—
Financial		9,355		—		—		—
Agricultural		6,636		1,960		1,201		—
Equity lines		32,773		287		589		—
Other		33,012		343		69		—
Commercial real estate:
Owner occupied		201,840		14,593		3,475		—
Non Owner occupied		137,973		5,066		8,541		—
Residential real estate:
Secured by first liens		183,898		8,115		5,327		—
Secured by junior liens		6,125		149		483		—
Acquisition, development and construction:
Residential		45,264		—		—		—
Other		101,047		11,597		6,395		—
Consumer		16,919		154		175		—
	$	884,750		50,046		31,245		—

Note 4 – Fair Value Measurements

Fair value is the exchange price that would be received to sell an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants at the measurement date. The fair value hierarchy 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 values:

Level 1:

Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

Level 2:

Significant other observable inputs other than Level 1 prices, such as quoted market prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data.

Level 3:

Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

In determining the appropriate levels, the Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument:

Investment Securities: The fair values for investment securities are determined by quoted market prices, if available (Level 1). For securities where quoted prices are not available, fair values are calculated based on matrix pricing which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities relationship to other benchmark quoted securities (Level 2). For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other non-observable market indicators (Level 3). The fair values of Level 3 investment securities are determined by an independent third party. These valuations are then reviewed by the Company’s Controller and CFO. Discounted cash flows are calculated using spread to swap and LIBOR curves that are updated to incorporate loss severities, volatility, credit spread and optionality. During times when trading is more liquid, broker quotes are used (if available) to validate the model. Rating agency and industry research reports as well as defaults and deferrals on individual securities are reviewed and incorporated into the calculations.

Interest Rate Swap Derivatives: The fair value of interest rate swap derivatives is determined based on discounted cash flow valuation models using observable market data as of the measurement date (Level 2 inputs). The fair value adjustment is included in other liabilities.

Mortgage Banking Derivatives: The fair value of mortgage banking derivatives is determined by individual third party sales contract prices for the specific loans held at each reporting period end (Level 2 inputs). The fair value adjustment is included in other assets.

Loans Held for Sale: Loans held for sale are carried at fair value, as determined by outstanding commitments, from third party investors (Level 2). None of the Company’s loans held for sale are past due 90 days or more or on nonaccrual as of June 30, 2015 and December 31, 2014.

Impaired Loans: The fair value of collateral dependent impaired loans is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

Other Real Estate Owned: Assets acquired through or instead of loan foreclosure are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. The fair value of other real estate owned is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value. Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

Appraisals for both collateral dependent impaired loans and other real estate owned are performed by certified general appraisers, certified residential appraisers or state licensed appraisers whose qualifications and licenses are annually reviewed and verified by the Company. Once received, a member of the Real Estate Valuation Department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value and determines if reasonable. Appraisals for collateral dependent impaired loans and other real estate owned are updated annually. On an annual basis the Company compares the actual selling costs of collateral that has been liquidated to the selling price to determine what additional adjustment should be made to the appraisal value. The most recent analysis performed indicated that an additional discount of 8% should be applied to properties with appraisals performed within 12 months.

Assets and Liabilities Measured on a Recurring Basis

The following tables present the balances of assets and liabilities measured at fair value on a recurring basis by level within the hierarchy as of June 30, 2015 and December 31, 2014.

	June 30,		Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Unobservable Inputs
	2015		(Level 1)		(Level 2)		(Level 3)
	(Dollars in thousands)
Assets:
Available-for-sale securities
Obligations of U.S. Government agencies	$	192,531		-		192,531		-
Obligations of states and political subdivisions		127,601		-		127,601		-
Mortgage-backed securities
U.S. GSE’s MBS - residential		118,421		-		118,421		-
U.S. GSE’s CMO		135,943		-		135,943		-
Corporate bonds		102,567		-		102,567		-
Total available-for-sale securities	$	677,063		-		677,063		-

Loans held for sale		26,469		-		26,469		-

Mortgage banking derivatives		50		-		50		-

	$	703,582		-		703,582		-

Liabilities:
Interest rate swap derivatives		1,717		-		1,717		-
	$	1,717		-		1,717		-


	December 31,		Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Unobservable Inputs
	2014		(Level 1)		(Level 2)		(Level 3)
	(Dollars in thousands)
Assets:
Available-for-sale securities
Obligations of U.S. Government agencies	$	178,744		-		178,744		-
Obligations of states and political subdivisions		101,755		-		101,755		-
Mortgage-backed securities
U.S. GSE’s MBS - residential		130,036		-		130,036		-
U.S. GSE’s CMO		124,461		-		124,461		-
Corporate bonds		109,469		-		109,357		112
Total available-for-sale securities	$	644,465		-		644,353		112

Loans held for sale		18,365		-		18,365		-

Mortgage banking derivatives		6		-		6		-

	$	662,836		-		662,724		112
Liabilities:
Interest rate swap derivatives		1,959		-		1,959		-

	$	1,959		-		1,959		-

The Company’s policy is to recognize transfers into or out of a level as of the end of the reporting period.

Transfers between Level 1 and Level 2:

No securities were transferred between Level 1 and Level 2 during the six months ended June 30, 2015 and the six months ended June 30, 2014.

Transfers between Level 2 and Level 3:

During the six months ended June 30, 2015, one corporate security was transferred out of Level 3 and into Level 2 based on observable market data for this security due to increased market activity for this security. This security with a market value of $138 as of March 31, 2015 was transferred on March 31, 2015. No securities were transferred between Level 2 and Level 3 during the six months ended June 30, 2014.

The following tables present a reconciliation and income statement classification of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the six months ended June 30, 2015 and 2014.

Fair Value Measurements Using Significant Unobservable

Inputs (Level 3)


	Total			Corporate bonds
	(Dollars in thousands)

Beginning balance, January 1, 2015	$	112		$	112
Total gains or losses (realized/unrealized)
Included in earnings
Gain (loss) on sales		-			-
Other-than-temporary impairment		-			-
Included in other comprehensive income		26			26
Purchases, sales, issuances and settlements
Purchases		-			-
Sales, Calls		-			-
Issuances		-			-
Settlements		-			-
Principal repayments		-			-
Transfers into Level 3		-			-
Transfers out of Level 3		(138	)		(138	)

Ending balance, June 30, 2015	$	-		$	-

Fair Value Measurements Using Significant Unobservable
Inputs (Level 3)


	Total		Corporate bonds
	(Dollars in thousands)

Beginning balance, January 1, 2014	$	110	$	110
Total gains or losses (realized/unrealized)
Included in earnings
Gain (loss) on sales		-		-
Other-than-temporary impairment		-		-
Included in other comprehensive income		1		1
Purchases, sales, issuances and settlements
Purchases		-		-
Sales, Calls		-		-
Issuances		-		-
Settlements		-		-
Principal repayments		-		-
Transfers into Level 3		-		-
Transfers out of Level 3		-		-

Ending balance, June 30, 2014	$	111	$	111

The Company uses an independent third party to value its U.S. government agencies, mortgage-backed securities, and corporate bonds. Their approach uses relevant information generated by transactions that have occurred in the market place that involve similar assets, as well as using cash flow information when necessary. These inputs are observable, either directly or indirectly in the market place for similar assets. The Company considers these valuations to be Level 2 pricing.

The fair value of the Company’s municipal securities is determined by another independent third party. Their approach uses relevant information generated by transactions that have occurred in the market place that involve similar assets. These inputs are observable, either directly or indirectly in the market place for similar assets. The Company considers these valuations to be Level 2 pricing.

For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows (Level 3 pricing) as determined by an independent third party. The significant unobservable inputs used in the valuation model include prepayment rates, constant default rates, loss severity and yields.

On a quarterly basis, the Company selects a random sample of investment security valuations, as determined by the independent third party, to validate pricing and level assignments.

At June 30, 2015, there were no financial instruments measured at fair value on a recurring basis using level 3 inputs.

The following table presents quantitative information about level 3 fair value measurements for financial instruments measured at fair value on a recurring basis at December 31, 2014.


		Dec. 31,	Valuation	Unobservable	Range
		2014	Technique	Inputs	(Weighted Avg)
		(Dollars in thousands)
Available-for-sale securities
	Corporate bonds	112	discounted cash flow	yield	10.00%

The significant unobservable inputs used in the fair value measurement of the Company’s corporate bonds are yields that the market would require for corporate debt obligations with similar maturities and risk characteristics.

Assets and Liabilities Measured on a Non-Recurring Basis

Assets and liabilities measured at fair value on a non-recurring basis as of June 30, 2015 and December 31, 2014 are summarized below.


	June 30,		Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Unobservable Inputs
	2015		(Level 1)		(Level 2)		(Level 3)
	(Dollars in thousands)
Assets:
Impaired loans (1)
Commercial, financial, and agricultural	$	882		-		-		882
Real estate:
Commercial		1,119		-		-		1,119
Residential		1,436		-		-		1,436
Acquisition, development and construction		2,033		-		-		2,033
Consumer installment		1		-		-		1
	$	5,471		-		-		5,471
Other real estate owned
Real estate:
Commercial	$	144		-		-		144
Acquisition, development and construction		360		-		-		360
	$	504		-		-		504

	$	5,975		-		-		5,975

(1) Includes loans directly charged down to fair value.


	December 31,		Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Unobservable Inputs
	2014		(Level 1)		(Level 2)		(Level 3)
	(Dollars in thousands)
Assets:
Impaired loans
Commercial, financial, and agricultural	$	2,582		-		-		2,582
Real estate:
Commercial		2,166		-		-		2,166
Residential		1,421		-		-		1,421
Acquisition, development and construction		5,352		-		-		5,352
Consumer installment		2		-		-		2
	$	11,523		-		-		11,523
Other real estate owned
Real estate:
Commercial	$	144		-		-		144
Acquisition, development and construction		435		-		-		435
	$	579		-		-		579

	$	12,102		-		-		12,102

The following represents impairment charges recognized during the period:

Impaired loans, which are measured for impairment using the fair value of collateral for collateral dependent loans, had a recorded investment of $5,471, resulting in an additional provision for loan losses of $750 and $1,135 for the three and six months ended June 30, 2015.

As of December 31, 2014, impaired loans had a recorded investment of $11,730, with a valuation allowance of $207, resulting in an additional provision for loan losses of $2,038 for the year ending 2014.

Other real estate owned was $504 which consisted of the outstanding balance of $807, less a valuation allowance of $303. There were no write downs for the six months ended June 30, 2015.

As of December 31, 2014, other real estate owned was $579 which consisted of the outstanding balance of $896, less a valuation allowance of $317, resulting in a write down of $266 for the year ending 2014.

The following tables present quantitative information about level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at June 30, 2015 and December 31, 2014.


	June 30,	Valuation	Unobservable	Range
	2015	Techniques	Inputs	(Weighted Avg)
	(Dollars in thousands)
Impaired loans
Commercial, financial and agricultural	882	sales comparison	adjustment for	0.00% - 30.00% (15.00%)
			differences between
			the comparable sales

		income approach	capitalization rate	10.82%

		liquidation value

Real estate:
Commercial	1,119	sales comparison	adjustment for	0.00% - 70.99% (20.73%)
			differences between
			the comparable sales

		income approach	capitalization rate	8.25% - 9.29% (8.84%)

Residential	1,436	sales comparison	adjustment for	0.00% - 37.00% (8.71%)
			differences between
			the comparable sales

		liquidation value

Acquisition, development and
construction	2,033	sales comparison	adjustment for	0.00% - 161.40% (33.97%)
			differences between
			the comparable sales

Consumer installment	1	liquidation value

Other real estate owned
Real estate:
Commercial	144	sales comparison	adjustment for	0.00% - 25.00% (12.50%)
			differences between
			the comparable sales
Acquisition, development and
construction	360	sales comparison	adjustment for	10.00% - 42.00% (26.00%)
			differences between
			the comparable sales


	Dec. 31,	Valuation	Unobservable	Range
	2014	Techniques	Inputs	(Weighted Avg)
	(Dollars in thousands)
Impaired loans
Commercial, financial and agricultural	2,582	sales comparison	adjustment for	7.00% - 50.00% (28.50%)
			differences between
			the comparable sales

		income approach	capitalization rate	9.39%

		liquidation value

Real estate:
Commercial	2,166	sales comparison	adjustment for	0.00% - 70.99% (19.92%)
			differences between
			the comparable sales

		income approach	capitalization rate	8.25% - 10.00% (8.97%)

		liquidation value

Residential	1,421	sales comparison	adjustment for	1.30% - 24.46% (7.24%)
			differences between
			the comparable sales

Acquisition, development and
construction	5,352	sales comparison	adjustment for	0.00% - 161.40% (28.55%)
			differences between
			the comparable sales

		income approach	discount rate	9.50% - 10.00% (9.69%)

Consumer installment	2	liquidation value


Other real estate owned
Real estate:
Commercial	144	sales comparison	adjustment for	0.00% - 25.00% (12.50%)
			differences between
			the comparable sales
Acquisition, development and
construction	435	sales comparison	adjustment for	5.00% - 60.00% (27.12%)
			differences between
			the comparable sales

Disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practicable to estimate that value is required. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument.

Because no market exists for a portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates.

The assumptions used in the estimation of the fair value of the Company’s financial instruments are explained below. Where quoted market prices are not available, fair values are based on estimates using discounted cash flow and other valuation techniques. Discounted cash flows can be significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. The following fair value estimates cannot be substantiated by comparison to independent markets and should not be considered representative of the liquidation value of the Company’s financial instruments, but rather a good-faith estimate of the fair value of financial instruments held by the Company. Certain financial instruments and all nonfinancial instruments are excluded from disclosure requirements.

The following methods and assumptions, not previously presented, were used by the Company in estimating the fair value of its financial instruments:

	*(a)*	*Cash and Cash Equivalents*

		Fair value equals the carrying value of such assets due to their nature and is classified as Level 1.

	*(b)*	*Loans, net*

		The fair value of loans is calculated using discounted cash flows by loan type resulting in a Level 3 classification. The discount rate used to determine the present value of the loan portfolio is an estimated market rate that reflects the credit and interest rate risk inherent in the loan portfolio without considering widening credit spreads due to market illiquidity. The estimated maturity is based on the Company’s historical experience with repayments adjusted to estimate the effect of current market conditions. The carrying amount of related accrued interest receivable, due to its short-term nature, approximates its fair value, is not significant and is not disclosed. The fair value of loans held for sale is estimated based upon binding contracts and quotes from third party investors resulting in a Level 2 classification. The allowance for loan losses is considered a reasonable discount for credit risk. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price.

	*(c)*	*Restricted Equity Securities*

		The fair value of Federal Home Loan Bank (“FHLB”) stock was not practicable to determine due to restrictions placed on its transferability.

	*(d)*	*Accrued Interest Receivable*

		The carrying amount of accrued interest approximates its fair value. Interest related to loans is classified as Level 3 while interest related to securities and loans held for sale is classified as Level 2.

	*(e)*	*Deposits*

		Fair values for certificates of deposit have been determined using discounted cash flows. The discount rate used is based on estimated market rates for deposits of similar remaining maturities and are classified as Level 2. The carrying amounts of all other deposits, due to their short-term nature, approximate their fair values and are classified as Level 1. The carrying amount of related accrued interest payable, due to its short-term nature, approximates its fair value, is not significant and is not disclosed.

	*(f)*	*Securities Sold Under Repurchase Agreements*

		Fair value approximates the carrying value of such liabilities due to their short-term nature and is classified as Level 1.

	*(g)*	*Advances from FHLB*

		The fair value of the FHLB advances is obtained from the FHLB and is calculated by discounting contractual cash flows using an estimated interest rate based on the current rates available to the Company for debt of similar remaining maturities and collateral terms resulting in a Level 2 classification.

	*(h)*	*Subordinated debentures*

		The fair value for subordinated debentures is calculated using discounted cash flows based upon current market spreads to LIBOR for debt of similar remaining maturities and collateral terms resulting in a Level 3 classification.

	*(i)*	*Commitments*

		The difference between the carrying values and fair values of commitments to extend credit are not significant and are not disclosed.

The carrying amounts and estimated fair values of the Company’s financial instruments at June 30, 2015 and December 31, 2014, not previously presented, are as follows:

	June 30, 2015

	Carrying		Fair Value Measurements
	amount		Total		Level 1		Level 2		Level 3
	(Dollars in thousands)
Financial assets:
Cash and cash equivalents	$	78,143		78,143		78,143		-		-
Loans, net		913,694		914,721		-		-		914,721
Restricted equity securities		3,936		N/A
Accrued interest receivable		5,982		5,982		-		3,474		2,508
Financial liabilities:
Deposits with stated maturities		361,777		364,391		-		364,391		-
Deposits without stated maturities		1,172,558		1,172,558		1,172,558		-		-
Securities sold under repurchase agreements		649		649		649		-		-
Advances from FHLB		56,000		58,351		-		58,351		-
Subordinated debentures		20,000		14,974		-		-		14,974

	December 31, 2014

	Carrying		Fair Value Measurements
	amount		Total		Level 1		Level 2		Level 3
	(Dollars in thousands)
Financial assets:
Cash and cash equivalents	$	35,995		35,995		35,995		-		-
Loans, net		929,327		925,997		-		-		925,997
Restricted equity securities		4,398		N/A
Accrued interest receivable		5,898		5,898		-		3,140		2,758
Financial liabilities:
Deposits with stated maturities		375,808		376,607		-		376,607		-
Deposits without stated maturities		1,088,056		1,088,056		1,088,056		-		-
Securities sold under repurchase agreements		10,678		10,678		10,678		-		-
Advances from FHLB		64,000		67,551		-		67,551		-
Subordinated debentures		20,000		14,886		-		-		14,886

Note 5 – Stock-Based Compensation

The Company’s 2006 Long Term Incentive Plan provides for the issuance of restricted stock awards to officers and directors. Compensation expense is recognized over the vesting period of the awards based on the fair value of the stock at issue date.

On March 19, 2014, the Compensation Committee of the Company approved grants of 63,000 shares to certain of its directors and executive officers. The fair value of the stock was determined using the closing price on date of grant. The shares vest in equal one-third increments on each of February 1, 2015; February 1, 2016; and February 1, 2017.

A summary of changes in the Company’s nonvested shares for the six month period ended June 30, 2015 is as follows:

				Weighted Avg
	Number of			Grant-Date
	Shares			Fair Value

Nonvested at January 1, 2015		63,000		$	21.60
Granted		-			-
Vested		(21,000	)		21.60
Forfeited		-			-
Nonvested at June 30, 2015		42,000		$	21.60

As of June 30, 2015, there was $739 of total unrecognized compensation cost related to nonvested shares granted under the Plan. This cost is being recognized over a period of nineteen months.

The total fair value of shares vested during the six month period ended June 30, 2015 was $567.

Note 6 – Interest Rate Swap Derivatives

The Company utilizes interest rate swap agreements as part of its asset liability management strategy to help manage its interest rate risk position. The notional amount of the interest rate swaps does not represent amounts exchanged by the parties. The amount exchanged is determined by reference to the notional amount and the other terms of the individual interest rate swap agreements.

During May 2011, the Company entered into two interest rate swaps with notional amounts totaling $10,000 which were designated as cash flow hedges of certain subordinated debentures and were determined to be fully effective during all periods presented. As such, no amount of ineffectiveness has been included in net income. Therefore, the aggregate fair value of the swaps is recorded in other liabilities with changes in fair value recorded in other comprehensive income. The amount included in accumulated other comprehensive income would be reclassified to current earnings should the hedges no longer be considered effective. The Company expects the hedges to remain highly effective during the remaining terms of the swaps.

Summary information about the interest rate swaps designated as cash flow hedges as of June 30, 2015 and December 31, 2014 is as follows:

	June 30, 2015			December 31, 2014
	(Dollars in thousands)

Notional Amounts	$	10,000		$	10,000
Weighted average pay rates		5.35	%		5.35	%
Weighted average receive rates		1.69	%		1.64	%
Weigted average maturity		13.58 years			14.08 years
Unrealized losses	$	1,717		$	1,959

The swaps were forward starting and had effective dates of March 15, 2012 and June 15, 2012. Interest expense recorded on these swap transactions totaled $185 and $186 for the six months ended June 30, 2015 and 2014, respectively, and is reported as a component of interest expense in other borrowings.

If the fair value falls below specified levels, the Company is required to pledge collateral against these derivative contract liabilities. As of June 30, 2015, the Company had pledged $2,235 with the counterparty. Under certain circumstances, including a downgrade of its credit rating below specified levels, the counterparty is required to pledge collateral against these derivative contract liabilities. As of June 30, 2015, no collateral had been pledged by the counterparty.

Note 7 – Other Comprehensive Income (Loss)

Other comprehensive income (loss) for the Company consists of changes in net unrealized gains and losses on investment securities available-for-sale and interest rate swap derivatives. The following tables present a summary of the accumulated other comprehensive income balances, net of tax, as of June 30, 2015 and 2014.

	Unrealized Gain (Loss) on Derivatives			Unrealized Gain (Loss) on Securities			Accumulated Other Comprehensive Income (Loss)
	(Dollars in thousands)

Balance, December 31, 2014	$	(1,197	)	$	1,268		$	71

Current Year change		148			(1,605	)		(1,457	)
Balance, June 30, 2015	$	(1,049	)	$	(337	)	$	(1,386	)

	Unrealized Gain (Loss) on Derivatives			Unrealized Gain (Loss) on Securities			Accumulated Other Comprehensive Income (Loss)
	(Dollars in thousands)

Balance, December 31, 2013	$	(469	)	$	(9,632	)	$	(10,101	)

Current Year change		(393	)		9,178			8,785
Balance, June 30, 2014	$	(862	)	$	(454	)	$	(1,316	)

The following tables present reclassifications out of accumulated other comprehensive income (loss).


	Three Months Ended June 30,
	2015			2014
Details about Accumulated Other Comprehensive Income Components	Amount reclassified from Accumulated Other Comprehensive Income			Amount reclassified from Accumulated Other Comprehensive Income			Affected line item in the Statement where Net Income is presented
(Dollars in thousands)
Unrealized gains and losses on available-for-sale securities
	$	(897	)	$	26		Investment securities gains (losses), net
		291			(8	)	Tax benefit (expense)
	$	(606	)	$	18		Net of tax

	Six Months Ended June 30,
	2015			2014
Details about Accumulated Other Comprehensive Income Components	Amount reclassified from Accumulated Other Comprehensive Income			Amount reclassified from Accumulated Other Comprehensive Income			Affected line item in the Statement where Net Income is presented
(Dollars in thousands)
Unrealized gains and losses on available-for-sale securities
	$	(840	)	$	277		Investment securities gains (losses), net
		271			(86	)	Tax benefit (expense)
	$	(569	)	$	191		Net of tax

Note 8 – Dividends

On January 14, 2015, the Company declared a quarterly cash dividend of $0.15 per share on outstanding shares. The dividend was paid on February 13, 2015 to shareholders of record as of January 30, 2015.

On April 22, 2015, the Company declared a quarterly cash dividend of $0.15 per share on outstanding shares. The dividend was paid on May 22, 2015 to shareholders of record as of May 8, 2015.

On July 22, 2015, the Company declared a quarterly cash dividend of $0.15 per share on outstanding shares. The dividend is payable on August 21, 2015 to shareholders of record as of August 7, 2015.

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

(Dollar amounts, except per share amounts, are expressed in thousands unless otherwise noted)

Overview

Southeastern Bank Financial Corporation (the “Company”) is a Georgia corporation that is a bank holding company registered with the Board of Governors of the Federal Reserve System (the “Federal Reserve”) under the Bank Holding Company Act of 1956, as amended (the “BHCA”). Southeastern Bank Financial Corporation (OTCQB: SBFC) trades on OTCQB, the marketplace for companies that are current in their reporting with a U.S. regulator. Investors can find Real-Time quotes and market information for the Company on www.otcmarkets.com.

The Company’s wholly-owned subsidiary, Georgia Bank & Trust Company of Augusta (“GB&T”), primarily does business in the Augusta-Richmond County, GA-SC metropolitan area. GB&T was organized by a group of local citizens and commenced business on August 28, 1989, with one branch location. Today, it is Augusta’s largest community banking company, operating nine full service branches in Augusta, Martinez, and Evans, Georgia. GB&T also operates three full service branches in North Augusta and Aiken, South Carolina under the name “Southern Bank & Trust, a division of Georgia Bank & Trust Company of Augusta.” Mortgage origination offices are located in Augusta and Savannah, Georgia and in Aiken, South Carolina. The Company’s Operations Center is located in Martinez, Georgia.

The Company’s primary market includes Richmond and Columbia Counties in Georgia and Aiken County in South Carolina, all part of the Augusta-Richmond County, GA-SC metropolitan statistical area (MSA). The Augusta market area has a diversified economy based principally on government, public utilities, health care, manufacturing, construction, and wholesale and retail trade. Augusta is one of the leading medical centers in the Southeast.

The Company’s services include the origination of residential and commercial real estate loans, construction and development loans, and commercial and consumer loans. The Company also offers a variety of deposit programs, including noninterest-bearing demand, interest checking, money management, savings, and time deposits. In its primary market area, the Augusta-Richmond County, GA-SC metropolitan area, the Company had 20.23% of all deposits and was the second largest depository institution and the largest locally based institution at June 30, 2014, as cited from the Federal Deposit Insurance Corporation’s (“FDIC”) website. Securities sold under repurchase agreements are also offered. Additional services include wealth management, trust, retail investment, and mortgage. As a matter of practice, most mortgage loans are sold in the secondary market; however, some mortgage loans are placed in the portfolio based on asset/liability management strategies. The Company continues to concentrate on increasing its market share through various new deposit and loan products and other financial services and by focusing on its customer relationship management philosophy. The Company is committed to building life-long relationships with its customers, employees, shareholders, and the communities it serves.

The Company’s primary source of income is from its lending activities, followed by interest income from its investment activities, service charges and fees on deposits and gain on sales of mortgage loans in the secondary market. Interest income on loans including loans held for sale increased $791 or 3.45% for the first six months of 2015 as compared to the first six months of 2014 and was due to higher average balances of loans and higher yields due primarily to the collection of interest on a large nonaccrual loan repaid during the second quarter. Interest income on investment securities increased $293 or 4.10% due primarily to increased volume. Gain on sales of loans increased $1,120 or 51.09% due primarily to increased mortgage originations and refinancing activity during the first six months of the year.

Table 1 - Selected Financial Data

	June 30,			December 31,			June 30,
	2015			2014			2014
	(Dollars in thousands)

Assets		1,794,964		$	1,732,781		$	1,780,577
Investment securities		677,063			644,465			647,599
Loans		942,537			966,356			960,231
Deposits		1,534,335			1,463,864			1,531,812

Annualized return on average total assets		1.12	%		0.96	%		0.92	%
Annualized return on average equity		12.51	%		11.49	%		11.38	%

Annualized return on average total assets was 1.12% for the six months ended June 30, 2015, an increase from 0.92% for the same period last year and annualized return on average equity was 12.51% for the six months ended June 30, 2015, an increase from 11.38% for the same period last year. Net income for the six months ended June 30, 2015 was $9,896 compared to $7,850 for the same period in 2014.

Table 2 highlights significant changes in the balance sheet at June 30, 2015 as compared to December 31, 2014. Total assets increased $62,183 and reflect increases in cash and equivalents of $42,148, investment securities of $32,598 and loans held for sale of $8,104. Partially offsetting were loans which decreased $23,819 and reflected several large repayments during the second quarter. Total liabilities increased $55,470 and reflect an increase in deposits of $70,471 offset by a $10,029 decrease in securities sold under repurchase agreements and a $8,000 decrease in FHLB advances. Stockholders’ equity increased $6,713 and was due primarily to an increase in retained earnings of $7,872 and a $1,457 decrease in accumulated other comprehensive (loss) income, net.

Table 2 - Selected Balance Sheet Data

	June 30,		December 31,		Variance
	2015		2014		Amount			%
	(Dollars in thousands)

Cash, due from banks and interest-bearing deposits	$	78,143	$	35,995	$	42,148			117.09	%
Investment securities		677,063		644,465		32,598			5.06	%
Loans		942,537		966,356		(23,819	)		(2.46	%)
Other real estate owned		922		1,107		(185	)		(16.71	%)
Deferred tax asset		15,722		15,263		459			3.01	%
Assets		1,794,964		1,732,781		62,183			3.59	%
Deposits		1,534,335		1,463,864		70,471			4.81	%
Securities sold under repurchase agreements		649		10,678		(10,029	)		(93.92	%)
Advances from Federal Home Loan Bank		56,000		64,000		(8,000	)		(12.50	%)
Liabilities		1,632,965		1,577,495		55,470			3.52	%
Stockholders’ equity		161,999		155,286		6,713			4.32	%

The Company meets its liquidity needs by managing cash and due from banks, federal funds purchased and sold, maturity of investment securities, principal repayments from mortgage-backed securities, and draws on lines of credit. Additionally, liquidity can be managed through structuring deposit and loan maturities. The Company funds loan and investment growth with core deposits, securities sold under repurchase agreements, Federal Home Loan Bank advances and other wholesale funding including brokered certificates of deposit. During inflationary periods, interest rates generally increase and operating expenses generally rise. When interest rates rise, variable rate loans and investments produce higher earnings; however, deposit and other borrowings interest expense also rise. The Company monitors its interest rate risk as it applies to net interest income in a ramp up and down annually 400 basis points (4.00%) scenario and as it applies to economic value of equity in a shock up and down 400 basis points (4.00%) scenario. The Company monitors operating expenses through responsibility center budgeting.

Forward-Looking Statements

Southeastern Bank Financial Corporation may, from time to time, make written or oral forward-looking statements, including statements contained in the Company’s filings with the Securities and Exchange Commission (the “Commission”) and its reports to shareholders. Statements made in such documents, other than those concerning historical information, should be considered forward-looking and subject to various risks and uncertainties. Such forward-looking statements are made based upon management’s belief as well as assumptions made by, and information currently available to, management pursuant to “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. The Company’s actual results may differ materially from the results anticipated in forward-looking statements due to a variety of factors, including unanticipated changes in the Company’s local economies, the national economy, governmental monetary and fiscal policies, deposit levels, loan demand, loan collateral values and securities portfolio values; difficulties in interest rate risk management; the effects of competition in the banking business; difficulties in expanding the Company’s business into new markets; changes in governmental regulation relating to the banking industry, including but not limited to the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Basel III international capital accord; failure of assumptions underlying the establishment of reserves for loan losses, including the value of collateral underlying delinquent loans; and other factors. The Company cautions that such factors are not exclusive. The Company does not undertake to update any forward-looking statement that may be made from time to time by, or on behalf of, the Company.

Critical Accounting Estimates

The accounting and financial reporting policies of the Company and its subsidiary conform to accounting principles generally accepted in the United States of America and to general practices within the banking industry. Of these policies, management has identified the allowance for loan losses, determining the fair values of financial instruments including other real estate owned, interest rate swap derivatives, investment securities, and other-than-temporary impairment as critical accounting estimates that requires difficult, subjective judgment and are important to the presentation of the financial condition and results of operations of the Company.

Allowance for Loan Losses

The allowance for loan losses is established through a provision for loan losses charged to expense, which affects the Company’s earnings directly. Loans are charged against the allowance for loan losses when management believes that the collectability of the principal is unlikely. Subsequent recoveries are added to the allowance. The allowance is an amount that reflects management’s estimate of the level of probable incurred losses in the portfolio. Factors considered by management in determining the adequacy of the allowance include, but are not limited to: (1) detailed reviews of individual loans; (2) historical and current trends in loan charge-offs for the various portfolio segments evaluated; (3) the level of the allowance in relation to total loans and to historical loss levels; (4) levels and trends in non-performing and past due loans; (5) collateral values of properties securing loans; and (6) management’s assessment of economic conditions. The Company’s Board of Directors reviews the recommendations of management regarding the appropriate level for the allowance for loan losses based upon these factors.

The provision for loan losses is the charge to operating earnings necessary to maintain an adequate allowance for loan losses. The Company has developed policies and procedures for evaluating the overall quality of its loan portfolio and the timely identification of problem credits. Management continues to review these policies and procedures and makes further improvements as needed. The adequacy of the Company’s allowance for loan losses and the effectiveness of the Company’s internal policies and procedures are also reviewed periodically by the Company’s regulators and the Company’s internal loan review personnel. The Company’s regulators may advise the Company to recognize additions to the allowance based upon their judgments about information available to them at the time of their examination. Such regulatory guidance is considered, and the Company may recognize additions to the allowance as a result.

The Company continues to refine the methodology on which the level of the allowance for loan losses is based by comparing historical loss ratios utilized to actual experience and by classifying loans for analysis based on similar risk characteristics. Cash receipts for accruing loans are applied to principal and interest under the contractual terms of the loan agreement; however, cash receipts on impaired and nonaccrual loans for which the accrual of interest has been discontinued are applied to principal and interest income depending upon the overall risk of principal loss to the Company.

Fair Value of Financial Instruments

A significant portion of the Company’s assets are financial instruments carried at fair value. This includes securities available-for-sale, loans held for sale, certain impaired loans, mortgage banking derivatives and other real estate owned. At June 30, 2015 and December 31, 2014 the percentage of total assets measured at fair value was 39.53% and 38.95%, respectively. The majority of assets carried at fair value are based on either quoted market prices or market prices for similar instruments. At June 30, 2015, 0.84% of assets measured at fair value were based on significant unobservable inputs. This consisted primarily of impaired loans and other real estate and represents approximately 0.33% of the Company’s total assets. See Note 4 “Fair Value Measurements” in the “Notes to Consolidated Financial Statements” herein for additional disclosures regarding the fair value of financial instruments.

Other Real Estate Owned

Assets acquired through or instead of loan foreclosure are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If fair value declines subsequent to foreclosure, a valuation allowance is recorded through expense. Operating costs after acquisition are expensed. Costs related to the development and improvement of real estate owned are capitalized.

Interest Rate Swap Derivatives

The fair value of interest rate swap derivatives is determined based on discounted cash flow valuation models using observable market data as of the measurement date. The fair value adjustment is included in other liabilities. See Note 1 “Summary of Significant Accounting Policies” in the “Notes to Consolidated Financial Statements” herein for additional disclosures regarding the fair value of financial instruments.

Investment Securities

The fair values for available-for-sale securities are generally based upon quoted market prices or observable market prices for similar instruments. These values take into account recent market activity as well as other market observable data such as interest rate, spread and prepayment information. When market observable data is not available, which generally occurs due to the lack of liquidity for certain securities, the valuation of the security is subjective and may involve substantial judgment. The Company conducts periodic reviews to identify and evaluate each available-for-sale security that has an unrealized loss for other-than-temporary impairment. An unrealized loss exists when the fair value of an individual security is less than its amortized cost basis. The primary factors the Company considers in determining whether an impairment is other-than-temporary are the financial condition and near-term prospects of the issuer, including any specific events which may influence the operations of the issuer and whether the Company intends to sell the security or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis. As of June 30, 2015, the Company had no securities valued using unobservable inputs (Level 3).

Results of Operations

Net income for the first six months of 2015 was $9,896, an increase of $2,046 or 26.06% compared with net income of $7,850 for the first six months of 2014. Increases in net interest income, gain on sales of loans and reduced provision for loan losses were partially offset by increased operating expenses.

Total other comprehensive loss for the first six months of 2015 was $(1,457) compared to other comprehensive income of $8,785 in the first six months of 2014. The change was due primarily to an unrealized loss on securities available-for-sale of $3,466 during the six months ended June 30, 2015 as compared to a gain of $15,298 for the same period last year which was caused by an increase in market interest rates and therefore a decrease in the market value of the portfolio.

Noninterest income increased $124 or 1.44% for the six months ended June 30, 2015 as compared to the six months ended June 30, 2014 and resulted primarily from increased gain on sales of loans of $1,120 which was mostly offset by investment securities gains (losses) which decreased $1,117.

Noninterest expense totaled $23,276 for the six months ended June 30, 2015, an increase of $2,522, or 12.15% compared to the same period ended June 30, 2014. The change was primarily due to an increase in salaries and other personnel expense of $1,335 due to a combination of new positions, salary increases, and benefit accruals. In addition the Company incurred a $955 prepayment penalty fee on an FHLB Advance.

Net Interest Income

The primary source of earnings for the Company is net interest income, which is the difference between income on interest-earning assets, such as loans and investment securities, and interest expense incurred on interest-bearing sources of funds, such as deposits and borrowings. The following table shows the average balances of interest-earning assets and interest-bearing liabilities, annualized average yields earned and rates paid on those respective balances, and the actual interest income and interest expense for the periods indicated. Average balances are calculated based on daily balances, yields on non-taxable investments are not reported on a tax equivalent basis and average balances for loans include nonaccrual loans even though interest was not earned.

Table 3 - Average Balances, Income and Expenses, Yields and Rates

	Three Months Ended June 30, 2015							Three Months Ended June 30, 2014
	Average Amount		Annualized Average Yield or Rate			Amount Paid or Earned		Average Amount		Annualized Average Yield or Rate			Amount Paid or Earned
	(Dollars in thousands)
Interest-earning assets:
Loans	$	961,784		4.96	%	$	12,003	$	944,063		4.84	%	$	11,493
Loans held for sale		25,027		2.95	%		184		19,479		3.05	%		148
Investment securities
Taxable		567,032		2.15	%		3,041		569,641		2.10	%		2,988
Tax-exempt		105,367		2.87	%		757		81,799		3.08	%		630
Interest-bearing deposits in other banks		9,545		0.71	%		17		11,552		0.62	%		18
Total interest-earning assets	$	1,668,755		3.82	%	$	16,002	$	1,626,534		3.73	%	$	15,277

Interest-bearing liabilities:
Deposits	$	1,307,844		0.45	%	$	1,451	$	1,298,854		0.49	%	$	1,586
Securities sold under repurchase agreements		1,870		0.43	%		2		1,924		0.42	%		2
Other borrowings		82,769		3.03	%		626		84,646		3.12	%		659
Total interest-bearing liabilities	$	1,392,483		0.60	%	$	2,079	$	1,385,424		0.65	%	$	2,247

Net interest margin/income:				3.32	%	$	13,923				3.18	%	$	13,030

Table 4 - Average Balances, Income and Expenses, Yields and Rates

	Six Months Ended June 30, 2015							Six Months Ended June 30, 2014
	Average Amount		Annualized Average Yield or Rate			Amount Paid or Earned		Average Amount		Annualized Average Yield or Rate			Amount Paid or Earned
	(Dollars in thousands)
Interest-earning assets:
Loans		964,699		4.84	%		23,405		929,350		4.88	%		22,694
Loans held for sale		20,254		3.06	%		307		14,506		3.16	%		227
Investment securities
Taxable		552,822		2.17	%		6,005		567,533		2.05	%		5,825
Tax-exempt		100,536		2.86	%		1,440		84,909		3.13	%		1,327
Interest-bearing deposits in other banks		10,923		0.63	%		34		13,755		0.49	%		33
Total interest-earning assets	$	1,649,234		3.78	%	$	31,191	$	1,610,053		3.73	%	$	30,106

Interest-bearing liabilities:
Deposits	$	1,300,141		0.45	%	$	2,911	$	1,287,565		0.50	%	$	3,174
Securities sold under repurchase agreements		2,471		0.40	%		5		1,350		0.44	%		3
Other borrowings		83,381		3.06	%		1,264		85,094		3.14	%		1,327
Total interest-bearing liabilities	$	1,385,993		0.61	%	$	4,180	$	1,374,009		0.66	%	$	4,504

Net interest margin/income:				3.27	%	$	27,011				3.17	%	$	25,602

Second Quarter 2015 compared to Second Quarter 2014:

Net interest income increased $893 (6.85%) during the three month period ended June 30, 2015 as compared to the same period in 2014 and resulted from higher levels of interest earning assets, lower rates paid on deposits and the collection of $530 in past due interest on an impaired loan that was repaid during the second quarter of 2015.

Loan interest income increased $510 (4.44%) in the three month period as compared to the same period in the prior year. The change resulted primarily from a $17,721 increase in average loans and an increase in yields from 4.84% to 4.96%. Interest on loans held for sale increased $36 and resulted primarily from a $5,548 increase in average loans offset by a decrease in yields from 3.05% to 2.95%.

Interest income on taxable investment securities increased $53 or 1.77% and interest income on tax-exempt investment securities increased $127 or 20.16%. The changes were due primarily to volume for tax-exempt securities and to rate for taxable securities. Average taxable investment balances decreased $2,609 or 0.46% and average tax-exempt balances increased $23,568 or 28.81%. The average yield on the taxable investment portfolio increased from 2.10% in the second quarter of 2014 to 2.15% in the second quarter of 2015 and the average yield on the tax-exempt investment portfolio declined from 3.08% in the second quarter of 2014 to 2.87% in the second quarter of 2015.

Total interest income increased $725 (4.75%) and average yields on interest-earning assets increased from 3.73% in 2014 to 3.82% in 2015.

Deposit interest expense decreased $135 (8.51%) in the three month period as compared to the same period in the prior year, primarily as a result of lower rates paid on deposits offset in part by an increase in average deposits of $8,990. Due to these reductions and the low interest rate environment, the annualized average rate of interest bearing liabilities decreased from 0.65% in the second quarter of 2014 to 0.60% in the second quarter of 2015.

The Company’s net interest margin for the three months ended June 30, 2015 increased 14 basis points to 3.32% compared to 3.18% for the three months ended June 30, 2014. The increase in the net interest margin was due a larger volume of average interest earning assets, reduced liability costs and collection of past due interest.

Six Months Ended June 30, 2015 compared to Six Months Ended June 30, 2014:

Net interest income increased $1,409 (5.50%) during the six month period ended June 30, 2015 as compared to the same period in 2014 and resulted primarily from higher levels of interest earning assets, lower rates paid on deposits and the collection of $530 in past due interest on an impaired loan that was repaid during the second quarter of 2015.

Loan interest income increased $711 (3.13%) in the six month period as compared to the same period in the prior year. The change resulted primarily from a $35,349 increase in average loans offset in part by lower yields, which decreased from 4.88% to 4.84%. Interest on loans held for sale increased $80 and resulted primarily from a $5,748 increase in average loans offset by a decrease in yields from 3.16% to 3.06%.

Interest income on taxable investment securities increased $180 or 3.09% and interest income on tax-exempt investment securities increased $113 or 8.52%. The changes were due to both volume and rate. Average taxable investment balances decreased $14,711 or 2.59% and average tax-exempt balances increased $15,627 or 18.40%. The average yield on the taxable investment portfolio increased from 2.05% in 2014 to 2.17% in 2015 and the average yield on the tax-exempt investment portfolio declined from 3.13% in 2014 to 2.86% in 2015.

Total interest income increased $1,085 (3.60%) and average yields on interest-earning assets increased from 3.73% in 2014 to 3.78% in 2015.

Deposit interest expense decreased $263 (8.29%) in the six month period as compared to the same period in the prior year, primarily as a result of lower rates paid on deposits offset in part by an increase in average deposits of $12,576. Due to these reductions and the low interest rate environment, the annualized average rate of interest bearing liabilities decreased from 0.66% in 2014 to 0.61% in 2015.

The Company’s net interest margin for the six months ended June 30, 2015 increased 10 basis points to 3.27% compared to 3.17% for the six months ended June 30, 2014. The increase in the net interest margin was due a larger volume of average interest earning assets, reduced liability costs and the collection of $530 in past due interest on an impaired loan that was repaid during the second quarter of 2015.

Changes in net interest income from period to period result from increases or decreases in the volume of interest-earning assets and interest-bearing liabilities, increases or decreases in the average rates earned and paid on such assets and liabilities, the ability to manage the earning asset portfolio, and the availability of particular sources of funds, such as noninterest-bearing deposits.

The following table presents the extent to which changes in interest rates and changes in the volume of interest-earning assets and interest-bearing liabilities have impacted the Company’s interest income and interest expense during the period indicated. Information is provided in each category with respect to changes attributable to change in volume (change in volume multiplied by prior rate), changes attributable to change in rate (change in rate multiplied by prior volume), and changes in rate/volume (change in rate multiplied by change in volume).

Table 5 - Rate/Volume Analysis

		Three Months Ended June 30, 2015
		compared to Three Months Ended June 30, 2014
		Increase (Decrease) due to
		Volume			Rate			Combined			Total
	(Dollars in thousands)
Interest-earning assets:
Loans			216			289			5			510
Loans held for sale			42			(5	)		(1	)		36
Investment securities
Taxable			(14	)		67			-			53
Tax-exempt			182			(43	)		(12	)		127
Interest-bearing deposits in other banks			(3	)		3			(1	)		(1	)
Total interest-earning assets			423			311			(9	)		725

Interest-bearing liabilities:
Deposits			11			(145	)		(1	)		(135	)
Securities sold under repurchase agreements			-			-			-			-
Other borrowings			(15	)		(18	)		-			(33	)
Total interest-bearing liabilities			(4	)		(163	)		(1	)		(168	)

Net change in net interest income											$	893

Table 6- Rate/Volume Analysis

	Six Months Ended
	June 30, 2015 compared to June 30, 2014
	Increase (Decrease) due to
	Volume			Rate			Combined			Total
	(Dollars in thousands)
Interest-earning assets:
Loans		864			(147	)		(6	)		711
Loans held for sale		90			(7	)		(3	)		80
Investment securities
Taxable		(151	)		340			(9	)		180
Tax-exempt		244			(111	)		(20	)		113
Interest-bearing deposits in other banks		(7	)		10			(2	)		1
Total interest-earning assets		1,040			85			(40	)		1,085

Interest-bearing liabilities:
Deposits		31			(291	)		(3	)		(263	)
Securities sold under repurchase agreements		2			(0	)		(0	)		2
Other borrowings		(27	)		(37	)		1			(63	)
Total interest-bearing liabilities		6			(328	)		(2	)		(324	)

Net change in net interest income										$	1,409

Provision for Loan Losses

The provision for loan losses is the charge to operating earnings necessary to maintain the allowance for loan losses at a level which, in management’s estimate, is adequate to cover the estimated amount of probable incurred losses in the loan portfolio. A credit for loan losses totaling $(2,690) was recognized for the three months ended June 30, 2015 compared to provision for loan losses of $1,011 for the three months ended June 30, 2014 and a credit of $(2,143) for the six months ended June 30, 2015 compared to provision of $2,068 for the same period in 2014. The credit for loan loss resulted primarily from the repayment of an impaired loan during the second quarter that resulted in a $1,666 recovery. See “Allowance for Loan Losses” for further analysis of the provision for loan losses.

Noninterest Income

Table 7 - Noninterest Income

	Three Months Ended											Six Months Ended
	June 30,					Variance						June 30,					Variance
	2015			2014		Amount			%			2015			2014		Amount			%
	(Dollars in thousands)											(Dollars in thousands)

Service charges and fees on deposits	$	1,843		$	1,792	$	51			2.85	%	$	3,587		$	3,421	$	166			4.85	%
Gain on sales of loans		1,758			1,373		385			28.04	%		3,312			2,192		1,120			51.09	%
Gain (loss) on sale of fixed assets, net		(62	)		13		(75	)		(576.92	%)		(61	)		12		(73	)		(608.33	%)
Investment securities gains (losses), net		(897	)		26		(923	)		(3,550.00	%)		(840	)		277		(1,117	)		(403.25	%)
Retail investment income		520			514		6			1.17	%		1,046			1,088		(42	)		(3.86	%)
Trust service fees		355			319		36			11.29	%		691			642		49			7.63	%
Earnings from cash surrender value of bank-owned life insurance		281			281		-			0.00	%		559			559		-			0.00	%
Miscellaneous income		221			205		16			7.80	%		444			423		21			4.96	%
Total noninterest income	$	4,019		$	4,523	$	(504	)		(11.14	%)	$	8,738		$	8,614	$	124			1.44	%

Second Quarter 2015 compared to Second Quarter 2014:

Noninterest income decreased $504 (11.14%) during the three month period ended June 30, 2015 as compared to the same period in 2014. The change was mostly due to a $923 decrease in investment securities gains (losses), net, offset in part by an increase in gain on sales of loans of $385 (28.04%) and an increase in service charges and fees on deposits of $51.

Six Months Ended June 30, 2015 compared to Six Months Ended June 30, 2014:

Noninterest income increased $124 (1.44%) during the six month period ended June 30, 2015 as compared to the same period in 2014. The change was mostly due to an increase in gain on sales of loans of $1,120 (51.09%) and an increase in service charges and fees on deposits of $166, offset in part by reduced net gains (losses) on investment securities.

Noninterest Expense

Table 8 - Noninterest Expense

	Three Months Ended											Six Months Ended
	June 30,					Variance						June 30,						Variance
	2015			2014		Amount			%			2015			2014			Amount			%
	(Dollars in thousands)											(Dollars in thousands)

Salaries and other personnel expense	$	6,662		$	6,148	$	514			8.36	%	$	13,249		$	11,914		$	1,335			11.21	%
Occupancy expenses		1,030			987		43			4.36	%		2,048			1,931			117			6.06	%
Marketing & business development		496			491		5			1.02	%		993			995			(2	)		(0.20	%)
Processing expense		858			793		65			8.20	%		1,685			1,376			309			22.46	%
Legal and professional fees		400			449		(49	)		(10.91	%)		812			925			(113	)		(12.22	%)
Data processing expense		388			297		91			30.64	%		777			715			62			8.67	%
FDIC insurance		191			284		(93	)		(32.75	%)		432			559			(127	)		(22.72	%)
Communications expense		297			229		68			29.69	%		559			456			103			22.59	%
Prepayment fees		955			-		955			N/A			955			-			955			N/A
(Gain) loss on sale of other real estate		(47	)		3		(50	)		(1,666.67	%)		(114	)		(32	)		(82	)		256.25	%
Provision for other real estate losses		1			19		(18	)		(94.74	%)		2			19			(17	)		(89.47	%)
Loan costs (excluding OREO)		238			250		(12	)		(4.80	%)		512			626			(114	)		(18.21	%)
Other operating expenses		742			691		51			7.38	%		1,366			1,270			96			7.56	%
Total noninterest expense	$	12,211		$	10,641	$	1,570			14.75	%	$	23,276		$	20,754		$	2,522			12.15	%

Second Quarter 2015 compared to Second Quarter 2014:

Noninterest expense increased $1,570 (14.75%) during the three month period ended June 30, 2015 as compared to the same period in 2014. The increase was mainly due to a $955 penalty incurred on the repayment of an FHLB advance during the second quarter of 2015. In addition, salaries and other personnel expense increased $514 (8.36%) due to additional staff, salary increases, increased retirement, incentive and other benefit plan costs and higher commission expense.

Six Months Ended June 30, 2015 compared to Six Months Ended June 30, 2014:

Noninterest expense increased $2,522 (12.15%) during the six month period ended June 30, 2015 as compared to the same period in 2014. The most significant increase in expense for the six month period was salaries and other personnel expense which increased $1,335 (11.21%) due to additional staff, salary increases, increased retirement, incentive and other benefit plan costs and higher commission expense. The increased noninterest expense was also due to a $955 penalty incurred on the repayment of an FHLB advance during the second quarter of 2015. In addition, processing expense increased $309 (22.46%) due to migration to an outsourced mainframe computer system.

Income Taxes

The Company recognized income tax expense of $2,732 and $4,720 for the three and six months ended June 30, 2015 as compared to an income tax expense of $1,857 and $3,544 for the same periods in 2014. The effective income tax rate for the three and six months ended June 30, 2015 was 32.44% and 32.29% compared to 31.47% and 31.10% for the three and six months ended June 30, 2014. The primary reason for the increase in the effective tax rate this year was a smaller percentage of tax-exempt interest income on investment securities and income related to bank-owned life insurance relative to total income.

Loans

The following table presents the composition of the Company’s loan portfolio as of June 30, 2015 and December 31, 2014.

Table 9 - Loan Portfolio Composition


	June 30, 2015					December 31, 2014
	Amount		%			Amount		%
	(Dollars in thousands)
Commercial, financial and agricultural	$	193,735		20.56	%	$	208,905		21.62	%
Real estate
Commercial		375,225		39.81	%		371,488		38.44	%
Residential		207,067		21.97	%		204,097		21.12	%
Acquisition, development and construction		149,517		15.86	%		164,303		17.00	%
Total real estate		731,809		77.64	%		739,888		76.56	%
Consumer
Direct		16,238		1.72	%		16,581		1.72	%
Indirect		-		0.00	%		1		0.00	%
Revolving		625		0.07	%		666		0.07	%
Total consumer		16,863		1.79	%		17,248		1.79	%
Deferred loan origination costs (fees)		130		0.01	%		315		0.03	%
Total	$	942,537		100.00	%	$	966,356		100.00	%

At June 30, 2015, 77.64% of the loan portfolio is comprised of real estate loans. Commercial, financial and agricultural loans comprise 20.56%, and consumer loans comprise 1.79% of the portfolio.

Commercial real estate comprises 39.81% of the loan portfolio and consists of both non-owner occupied and owner occupied properties, where the operations of the commercial entity provide the necessary cash flow to service the debt. For this portion of the real estate loan portfolio, repayment is generally not dependent upon the sale of the real estate held as collateral. Acquisition, development and construction loans comprise 15.86% of the loan portfolio. The Company carefully monitors the loans in this category since the repayment of these loans is generally dependent upon the sale of the real estate in the normal course of business and can be impacted by national and local economic conditions. The residential category, 21.97% of the portfolio, represents those loans that the Company chooses to maintain in its portfolio rather than selling into the secondary market for marketing and competitive reasons and commercial loans secured by residential real estate.

The Company has no large loan concentrations to individual borrowers. Unsecured loans at June 30, 2015 totaled $42,128.

Interest reserves are established for certain acquisition, development and construction (“ADC”) loans and certain commercial real estate (“CRE”) loans with major renovations based on the feasibility of the project, the timeframe for completion, the creditworthiness of the borrower and guarantors, and collateral. An interest reserve allows the borrower’s interest cost to be capitalized and added to the loan balance. As a matter of practice GB&T does not generally establish loan funded interest reserves on ADC or CRE loans; however, the Company’s loan portfolio includes six loans with interest reserves at June 30, 2015. The following table details the loans and accompanying interest reserves as of June 30, 2015.


	June 30, 2015
			Reserves
	Balance		Original		Advanced		Remaining
	*(Dollars in thousands)*

Loan 1	$	10,846		330		277		53
Loan 2		5,952		82		64		18
Loan 3		5,894		62		62		-
Loan 4		3,807		100		19		81
Loan 5		69		26		-		26
Loan 6		13		23		-		23

These ADC or CRE loans have not been renewed or restructured and, as of June 30, 2015, are not on nonaccrual.

Underwriting for ADC and CRE loans with interest reserves follows the same process as those loans without reserves. In order for GB&T to establish a loan-funded interest reserve, the borrower must have the ability to repay without the use of a reserve and a history of developing and stabilizing similar properties. All ADC or CRE loans, including those with interest reserves, are carefully monitored through periodic construction site inspections by bank employees or third party inspectors to ensure projects are moving along as planned. Management assesses the appropriateness of the use of interest reserves during the entire term of the loan as well as the adequacy of the reserve. Collateral inspections are completed before approval of advances.

Loan Review and Classification Process

The Company maintains a loan review and classification process which involves multiple officers of the Company and is designed to assess the general quality of credit underwriting and to promote early identification of potential problem loans. All loan officers are charged with the responsibility of risk rating all loans in their portfolios and updating the ratings, positively or negatively, on an ongoing basis as conditions warrant. Risk ratings are selected from an 8-point scale with ratings as follows: ratings 1- 4 Satisfactory (pass), rating 5 Watch (potential weakness), rating 6 Substandard (well-defined weakness), rating 7 Doubtful and rating 8 Loss.

When a loan officer originates a new loan, he or she documents the credit file with an offering sheet summary, supplemental underwriting analyses, relevant financial information and if applicable, collateral evaluations. All of this information is used in the determination of the initial loan risk rating. Then, the Company’s Credit Administration department undertakes an independent credit review of that relationship in order to validate the lending officer’s rating. Lending relationships with total related exposure of $500 or greater are also placed into a tracking database and reviewed by Credit Administration personnel on an annual basis in conjunction with the receipt of updated borrower and guarantor financial information. The individual loan reviews analyze such items as: loan type; nature, type and estimated value of collateral; borrower and/or guarantor estimated financial strength; most recently available financial information; related loans and total borrower exposure; and current/anticipated performance of the loan. The results of such reviews are presented to Executive Management.

Through the review of delinquency reports, updated financial statements or other relevant information in the normal course of business, the lending officer and/or Credit Administration review personnel may determine that a loan relationship has weakened to the point that a criticized (loan grade 5) or classified (loan grade 6 through 8) status is warranted. When a loan relationship with total related exposure of $200 or greater is adversely graded (5 or above), the lending officer is then charged with preparing a Classified/Watch report which outlines the background of the credit problem, current repayment status of the loans, current collateral evaluation and a workout plan of action. This plan may include goals to improve the credit rating, assisting the borrower in moving the loans to another institution and/or collateral liquidation. All such Classified/Watch reports are reviewed on a quarterly basis by members of Executive Management at a regularly scheduled meeting in which each lending officer presents the workout plans for their criticized credit relationships.

Depending upon the individual facts, circumstances and the result of the Classified/Watch review process, Executive Management may categorize the loan relationship as impaired. Once that determination has occurred, Executive Management in conjunction with Credit Administration personnel, will complete an evaluation of the collateral (for collateral-dependent loans) based upon appraisals on file adjusting for current market conditions and other local factors that may affect collateral value. This subjective evaluation may produce an initial specific allowance for placement in the Company’s Allowance for Loan Losses calculation. As soon as practical, updated appraisals on the collateral backing that impaired loan relationship are ordered. When the updated appraisals are received, Executive Management with assistance from Credit Administration department personnel reviews the appraisal, and updates the specific allowance analysis for each loan relationship accordingly. The Director’s Loan Committee reviews on a quarterly basis the Classified/Watch reports including changes in credit grades of 5 or higher as well as all impaired loans, the related allowances and other real estate owned (“OREO”).

In general, once the specific allowance has been finalized, Executive Management will authorize a charge-off prior to the following calendar quarter-end in which that reserve calculation is finalized.

The review process also provides for the upgrade of loans that show improvement since the last review.

Nonperforming Assets

Non-performing assets include nonaccrual loans, loans past due 90 days or more, restructured loans and other real estate owned. Table 10 shows the current and prior period amounts of non-performing assets. Non-performing assets were $15,371 at June 30, 2015, compared to $21,903 at December 31, 2014 and $22,859 at June 30, 2014. The change from June 2014 to June 2015 was due primarily to a $6,446 decrease in nonaccrual loans.

There were no loans past due 90 days or more and still accruing at June 30, 2015, December 31, 2014 and June 30, 2014.

Troubled debt restructurings (TDRs) are troubled loans in which the original terms have been modified in favor of the borrower or either principal or interest has been forgiven due to deterioration in the borrower’s financial condition. There was $9,136 in TDRs at June 30, 2015, of which $2,845 were on nonaccrual status. TDRs totaled $9,669 at December 31, 2014, of which $3,477 were on nonaccrual status, and $7,942 at June 30, 2014, of which $1,656 were on nonaccrual status.

Table 10 - Non-Performing Assets

	June 30, 2015			December 31, 2014			June 30, 2014
	(Dollars in thousands)
Nonaccrual loans:
Commercial, financial and agricultural	$	1,258		$	3,458		$	833
Real Estate:
Commercial		1,144			1,497			3,998
Residential		3,350			3,639			3,381
Acquisition, development and construction		2,337			5,874			6,777
Consumer		69			136			84
Total Nonaccrual loans		8,158			14,604			15,073
Restructured loans (1)		6,291			6,192			6,286
Other real estate owned		922			1,107			1,500
Total Non-performing assets	$	15,371		$	21,903		$	22,859

Loans past due 90 days or more and still accruing interest	$	-		$	-		$	-

Non-performing assets to total assets		0.86	%		1.26	%		1.28	%

Non-performing assets to period end loans and OREO		1.63	%		2.26	%		2.38	%

Allowance for loan loss to period end nonaccrual loans		286.49	%		174.65	%		178.35	%

(1) Restructured loans on nonaccrual status at period end are included under nonaccrual loans in the table.

The ratio of non-performing assets to total loans and other real estate was 1.63% at June 30, 2015 compared to 2.26% at December 31, 2014 and 2.38% at June 30, 2014. The ratio of allowance for loan losses to total nonaccrual loans was 286.49% at June 30, 2015 compared to 174.65% at December 31, 2014 and 178.35% at June 30, 2014. The resolution of non-performing assets continues to be a priority of management.

Nonaccrual loans decreased $6,915 (45.88%) from June 30, 2014 due primarily to a decline in nonaccrual acquisition, development and construction loans and commercial real estate loans which decreased $4,440 and $2,854 respectively. Partially offsetting these declines was an increase in nonaccrual commercial, financial and agricultural loans of $425.

The decrease in nonaccrual acquisition, development and construction loans since June 30, 2014 was due primarily to the repayment of a $4,544 participation loan made to finance a retail center that was sold in the second quarter of 2015. The decrease in nonaccrual commercial real estate loans was due in part to the bank negotiated short sale of a troubled Thomson, Georgia hotel property of approximately $2,547, which was completed in the third quarter of 2014.

The increase in nonaccrual commercial, financial and agricultural loans was due in part to a defaulted loan on a multifamily property totaling approximately $1,358 after a $500 write down.

Although the exposure has declined, a significant portion of nonaccrual loans continues to be collateral-dependent ADC loans. The following table provides further information regarding the Company’s most significant nonaccrual loans.

Table 11 - Nonaccrual Loans

Balance

Originated

Nonaccrual
Date

Trigger

Collateral

Allowance

Method

Appraisal
Date

Appraised
Value

(Dollars in thousands)

1-4 Family Residential

674

06/08-06/14

08/14-12/14

financial condition

houses

collateral value

09/14-06/14

759

Commercial, financial and agricultural

850

01/29/08

12/30/14

financial condition

apartments

collateral value

03/15

1,090

ADC Loan - CSRA

1,380

12/28/11

12/28/12

financial condition

land

collateral value

03/15

1,800

2,904

Other, net

5,254

Nonaccrual loans at June 30, 2015

8,158

The following table presents a roll forward of other real estate owned for the six month periods ended June 30, 2015 and 2014, respectively.

Table 12 - Other Real Estate Owned

	2015			2014
	(Dollars in thousands)

Beginning balance, January 1	$	1,107		$	1,014
Additions		500			698
Increase in valuation allowance		(2	)		(19	)
Sales		(797	)		(225	)
Gain on sale of OREO		114			32
Ending balance, June 30	$	922		$	1,500

The following table provides details of other real estate owned as of June 30, 2015, December 31, 2014 and June 30, 2014, respectively.


	June 30, 2015			December 31, 2014			June 30, 2014
	(Dollars in thousands)
Other Real Estate:
Real Estate
Commercial	$	454		$	200		$	429
Residential		38			364			68
Acquisition, development and construction		733			860			1,068
		1,225			1,424			1,565

Valuation allowance		(303	)		(317	)		(65	)
	$	922		$	1,107		$	1,500

The change in other real estate owned is due to the continuing process of resolving problem loans. In the first six months of 2015, additions to other real estate owned totaled $500 compared to $698 for the same period in 2014. Sales of other real estate totaled $797 for the six months ended June 30, 2015 compared to $225 for the six months ended June 30, 2014.

Allowance for Loan Losses

The allowance for loan losses represents an allocation for the estimated amount of probable incurred losses in the loan portfolio. The adequacy of the allowance for loan losses is evaluated periodically based on a review of all significant loans, with particular emphasis on impaired, non-accruing, past due, and other loans that management believes require special attention. The determination of the allowance for loan losses is considered a critical accounting estimate of the Company. See “Critical Accounting Estimates.”

While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may advise additions to the allowance based on their judgments about information available to them at the time of their examination. Such regulatory guidance is considered, and the Company may recognize additions to the allowance as a result.

Additions to the allowance for loan losses are made periodically to maintain the allowance at an appropriate level based upon management’s analysis of risk in the loan portfolio. Loans determined to be uncollectible are charged to the allowance for loan losses and subsequent recoveries are added to the allowance. A negative provision for losses in the amount of $2,690 was credited to expense for the three months ended June 30, 2015 compared to provision of $1,011 for the three months ended June 30, 2014 and a $2,143 negative provision for losses was credited to expense for the six months ended June 30, 2015 compared to provision of $2,068 for the six months ended June 30, 2014. The negative provision resulted in part from a $1,666 recovery related to the repayment of a nonaccrual acquisition development and construction loan and to the decline in that portfolio segment’s average historical loss rate.

At June 30, 2015 the ratio of allowance for loan losses to period end loans was 2.48% compared to 2.64% at December 31, 2014 and 2.80% at June 30, 2014. The decline in overall level of allowance as a percentage of the portfolio is due in part to the decline in the average historical net loss rate and the level of recoveries during the quarter. (see Note 1 -- ALLL Methodology in the Notes to Consolidated Financial Statements).

For the six months ended June 30, 2015 recoveries net of charge-offs totaled $8 on all loans. $1,420 of recoveries net of charge-offs were related to acquisition, development and construction loans. Charge-offs net of recoveries were $917 for commercial, financial and agricultural loans, $275 for residential real estate and $148 for consumer loans. The provisions for loan losses allocated to individual portfolio segments are affected by the calculation of average historical net loss rate factors and by the internal and external qualitative factors within each category.

Management considers the current allowance for loan losses appropriate based upon its analysis of risk in the portfolio using the methods previously discussed. Management’s judgment is based upon a number of assumptions about events which are believed to be reasonable, but which may or may not prove correct. While it is the Company’s policy to charge off in the current period the loans in which a loss is considered probable, there are additional risks of losses which cannot be quantified precisely or attributed to a particular loan or class of loans. Because management evaluates such factors as changes in the nature and volume of the loan portfolio, historical loss rates, overall portfolio quality, review of specific problem loans, and current economic conditions and trends that may affect a borrower’s ability to repay, management’s judgment as to the adequacy of the allowance is necessarily approximate and imprecise. Thus, there can be no assurance that charge-offs in future periods will not exceed the allowance for loan losses or that additional increases in the allowance will not be required.

Liquidity and Capital Resources

The Company has maintained adequate liquidity to meet operating and loan funding requirements. The loan to deposit ratio at June 30, 2015 was 61.43% compared to 66.01% at December 31, 2014 and 62.69% at June 30, 2014. Deposits at June 30, 2015 and December 31, 2014 include $187,099 and $188,094 of brokered certificates of deposit, respectively. GB&T has also utilized borrowings from the Federal Home Loan Bank. GB&T maintains a line of credit with the Federal Home Loan Bank approximating 10% of its total assets. Federal Home Loan Bank advances are collateralized by eligible first mortgage loans, commercial real estate loans and investment securities. Federal Home Loan Bank advances totaled $56,000 at June 30, 2015. GB&T maintains repurchase lines of credit with SunTrust Robinson Humphrey, Atlanta, Georgia, for advances up to $20,000, of which none was outstanding at June 30, 2015 and a $10,000 repurchase line of credit with CenterState Bank, Orlando, Florida, of which none was outstanding at June 30, 2015. GB&T has a federal funds purchased accommodation with SunTrust Bank, Atlanta, Georgia for advances up to $10,000, of which none was outstanding at June 30, 2015 and a federal funds purchased accommodation with CenterState Bank, Orlando, Florida, for advances up to $10,000, of which none was outstanding at June 30, 2015. The Company also maintains a borrowing facility at the Federal Reserve Bank, under the Borrower-In-Custody Program, of which none was outstanding at June 30, 2015. Additionally, liquidity needs can be supplemented by the structuring of the maturities of investment securities and the pricing and maturities on loans and deposits offered to customers. The Company also uses retail securities sold under repurchase agreements to fund operations. Retail securities sold under repurchase agreements were $649 at June 30, 2015.

Stockholders’ equity to total assets was 9.03% at June 30, 2015 compared to 8.96% at December 31, 2014 and 8.24% at June 30, 2014. The capital of the Company exceeded all required regulatory guidelines at June 30, 2015. The Company’s common equity Tier 1, Tier 1 risk-based, total risk-based and leverage capital ratios were 13.63%, 15.31%, 16.56%, and 10.26%, respectively, at June 30, 2015.

The following table reflects the current regulatory capital levels in more detail, including comparisons to the regulatory minimums.

Table 13 - Regulatory Capital Requirements
June 30, 2015

	Actual					Required					Excess
	Amount		Percent			Amount		Percent			Amount		Percent
	(Dollars in thousands)
Southeastern Bank Financial Corporation

Risk-based capital:
Common equity tier 1 capital	$	163,246		13.63	%		53,878		4.50	%		N/A		N/A
Tier 1 capital		183,246		15.31	%		71,837		6.00	%		N/A		N/A
Total capital		198,316		16.56	%		95,782		8.00	%		N/A		N/A
Tier 1 leverage ratio		183,246		10.26	%		71,437		4.00	%		N/A		N/A

Georgia Bank & Trust Company

Risk-based capital:
Common equity tier 1 capital	$	174,141		14.57	%		53,795		4.50	%		120,346		10.07	%
Tier 1 capital		174,141		14.57	%		71,726		6.00	%		102,415		8.57	%
Total capital		189,177		15.82	%		95,635		8.00	%		93,542		7.82	%
Tier 1 leverage ratio		174,141		9.77	%		80,176		4.50	%		93,965		5.27	%

Georgia Bank & Trust Company is regulated by the Department of Banking and Finance of the State of Georgia (DBF). The DBF requires that state banks in Georgia generally maintain a minimum ratio of Tier 1 capital to total assets of four and one-half percent (4.50%).

On July 2, 2013, the Federal Reserve and the FDIC approved rules that implement the “Basel III” regulatory capital reforms, as well as certain changes required by the Dodd-Frank Act. The rules include a common equity Tier 1 capital conservation buffer of 2.5% of risk-weighted assets, which is in addition to the Tier 1 and Tier 2 risk-based capital requirements. The capital conservation buffer will be phased in over four years beginning on January 1, 2016, with a maximum buffer of 0.625% of risk-weighted assets for 2016, 1.25% for 2017, 1.875% for 2018, and 2.5% for 2019 and thereafter. Failure to maintain the required capital conservation buffer will result in limitations on capital distributions and on discretionary bonuses to executive officers. Based on the Company’s current capital composition and levels, management does not presently anticipate that the rules present a material risk to the Company’s financial condition or results of operations.

Except as set forth above, management is not aware of any other events or uncertainties that are reasonably likely to have a material effect on the Company’s liquidity, capital resources or operations.

Commitments and Contractual Obligations

The Company is party to lines of credit with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. Lines of credit are unfunded commitments to extend credit. These instruments involve, in varying degrees, exposure to credit and interest rate risk in excess of the amounts recognized in the financial statements. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for unfunded commitments to extend credit and letters of credit is represented by the contractual amount of those instruments. The Company evaluates acquisition, development and construction loans for the percentage completed before extending additional credit. The Company follows the same credit policies in making commitments and contractual obligations as it does for on-balance sheet instruments.

Unfunded commitments to extend credit where contractual amounts represent potential credit risk totaled $212,213 at June 30, 2015. This includes standby letters of credit of $4,474 at June 30, 2015. These commitments are primarily at variable interest rates.

The Company’s commitments are funded through internal funding sources of scheduled repayments of loans and sales and maturities of investment securities available-for-sale or external funding sources through acceptance of deposits from customers or borrowings from other financial institutions.

The following table is a summary of the Company’s commitments to extend credit, commitments under contractual leases as well as the Company’s contractual obligations, consisting of deposits, FHLB advances, which are subject to early termination options, borrowed funds and benefit plans by contractual maturity date.

Table 14 - Commitments and Contractual Obligations

	Less than 1 Year		1 - 3 Years		3 - 5 Years		More than 5 Years
	(Dollars in thousands)

Lines of credit	$	207,739		-		-		-
Standby letters of credit		4,474		-		-		-
Lease agreements		296		326		48		-
Deposits		1,336,273		177,472		19,619		971
Securities sold under repurchase agreements		649		-		-		-
Salary continuation agreements		338		1,341		1,619		31,956
FHLB advances		-		45,000		11,000		-
Due to broker		2,844		-		-		-
Subordinated debentures		-		-		-		20,000
Total commitments and contractual obligations	$	1,552,613	$	224,139	$	32,286	$	52,927

Although management regularly monitors the balance of outstanding commitments to fund loans to ensure funding availability should the need arise, management believes that the risk of all customers fully drawing on all these lines of credit at the same time is remote.

Effects of Inflation and Changing Prices

Inflation generally increases the cost of funds and operating overhead, and to the extent loans and other assets bear variable rates, the yields on such assets. Unlike most industrial companies, virtually all of the assets and liabilities of a financial institution are monetary in nature. As a result, interest rates generally have a more significant impact on the performance of a financial institution than the effects of general levels of inflation. Although interest rates do not necessarily move in the same direction and to the same extent as the prices of goods and services, increases in inflation generally have resulted in increased interest rates. In addition, inflation can increase a financial institution’s cost of goods and services purchased, the cost of salaries and benefits, occupancy expense and similar items. Inflation and related increases in interest rates generally decrease the market value of investments and loans held and may adversely affect liquidity, earnings, and stockholders’ equity. Mortgage originations and refinances tend to slow as interest rates increase, and can reduce the Company’s earnings from such activities and the income from the sale of residential mortgage loans in the secondary market.

Item 3. Quantitative and Qualitative Disclosures About Market Risk

As of June 30, 2015, there were no substantial changes in the interest rate sensitivity analysis or the sensitivity of market value of portfolio equity for various changes in interest rates calculated as of December 31, 2014. A detailed discussion of market risk is provided in the Company’s 2014 Annual Report on Form 10-K.

Item 4. Controls and Procedures

As of the end of the period covered by this report, the Company carried out an evaluation, under the supervision and with the participation of the Company’s management, including the Company’s Chief Executive Officer (principal executive officer) and its Group Vice President and Chief Financial Officer (principal financial officer), of the effectiveness of the design and operation of the Company’s disclosure controls and procedures pursuant to Exchange Act Rule 13a-15. Based upon that evaluation, such officers concluded that the Company’s disclosure controls and procedures are effective in timely alerting them to material information relating to the Company (including its consolidated subsidiary) that is required to be included in the Company’s periodic filings with the Securities and Exchange Commission. There have been no changes in the Company’s internal controls or, to the Company’s knowledge, in other factors during the quarter covered by this report that have materially affected, or are reasonably likely to materially affect, the Company’s internal controls over financial reporting.

Part II
OTHER INFORMATION


Item 1.		Legal Proceedings

		There are no material pending legal proceedings to which the Company or any of its subsidiaries is a party or of which any of their property is subject.

Item 1A.		Risk Factors

		In addition to the other information set forth in this report, you should carefully consider the factors discussed in Part I, “Item 1A. Risk Factors” in the Company’s Annual Report on Form 10-K for the year ended December 31, 2014, which could materially affect its business, financial condition or future results. The risks described in the Annual Report on Form 10-K are not the only risks facing the Company. Additional risks and uncertainties not currently known to management or that management currently deems to be immaterial also may materially adversely affect the Company’s business, financial condition and/or operating results.

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

		Issuer Purchases of Equity Securities

		The following table sets forth information regarding the Company’s purchases of its common stock on a monthly basis during the second quarter of 2015.

Period	Total Number of Shares Purchased (1)	Average Price Paid Per Share (1)	Total Number of Shares Purchased as Part of Publicly Announced Plans or Programs (1)	Maximum Number (or Appropriate Dollar Value) of Shares Yet To Be Purchased Under the Plans or Programs (1)
April 1 through April 30, 2015	-	-	-	299,454
May 1 through May 31, 2015	-	-	-	299,454
June 1 through June 30, 2015	-	-	-	299,454
Total	-	-	-	299,454


		(1) On October 15, 2014, the Company’s Board of Directors announced the commencement of a stock repurchase program (the “2014 Program”), pursuant to which it will, from time to time, repurchase up to 300,000 shares of its outstanding common stock in the open market or in private transactions. The 2014 Program does not have a stated expiration date and no stock repurchase programs were terminated during the second quarter of 2015.


Item 3.		Defaults Upon Senior Securities

		Not applicable

Item 4.		Mine Safety Disclosures

		Not applicable

Item 5.		Other Information

		None

Item 6.		Exhibits


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

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

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

	101	Interactive Data Files providing financial information from the Registrant’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2015 in XBRL (eXtensible Business Reporting Language).

SOUTHEASTERN BANK FINANCIAL CORPORATION
Form 10-Q Signatures

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


	SOUTHEASTERN BANK FINANCIAL CORPORATION


Date: July 24, 2015	By:	/s/ Darrell R. Rains
	Darrell R. Rains
	Group Vice President, Chief
	Financial Officer (Duly Authorized
	Officer of Registrant and Principal
	Financial Officer)

EX-31.1 2 t82786_ex31-1.htm EXHIBIT 31.1

Exhibit 31.1

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

I, R. Daniel Blanton, certify that:

I have reviewed this report on Form 10-Q of Southeastern Bank Financial Corporation;

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 periods covered by this report;

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;

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:

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;

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;

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

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

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

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

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: July 24, 2015


/s/ R. Daniel Blanton
R. Daniel Blanton
Chief Executive Officer
(Principal executive officer)

EX-31.2 3 t82786_ex31-2.htm EXHIBIT 31.2

Exhibit 31.2

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

I, Darrell R. Rains, certify that:

I have reviewed this report on Form 10-Q of Southeastern Bank Financial Corporation;

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: July 24, 2015


/s/ Darrell R. Rains
Darrell R. Rains
Group Vice President and
Chief Financial Officer
(Principal financial officer)

EX-32.1 4 t82786_ex32-1.htm EXHIBIT 32.1

Exhibit 32.1

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADOPTED

PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Each of the undersigned hereby certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that this Quarterly Report on Form 10-Q for the quarter ended June 30, 2015 fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended, and the information contained in such report fairly presents, in all material respects, the financial condition and results of operations of the Company.

This 24^thday of July 2015


/s/ R. Daniel Blanton
R. Daniel Blanton
Chief Executive Officer
(Principal executive officer)


/s/ Darrell R. Rains
Darrell R. Rains
Group Vice President &
Chief Financial Officer
(Principal financial officer)

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<p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Note 1 – Summary of Significant Accounting Policies <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">(a) Nature of Operations and Principles of Consolidation <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The accompanying consolidated financial statements include the accounts of Southeastern Bank Financial Corporation and its wholly-owned subsidiary, Georgia Bank & Trust Company of Augusta, Georgia, together referred to as “the Company.” Significant intercompany transactions and accounts are eliminated in consolidation. Dollar amounts are rounded to thousands except share and per share data. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company provides financial services through its offices in Richmond and Columbia Counties, Georgia, and Aiken County, South Carolina. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate. Commercial loans are expected to be repaid from cash flow from operations of businesses. The Company has a significant concentration of loans with real estate developers. The ability of these customers to repay their loans is dependent on the real estate and general economic conditions in the area. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The financial statements for the three and six months ended June 30, 2015 and 2014 are unaudited and have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission. Certain information and footnote disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted pursuant to such rules and regulations. These consolidated financial statements should be read in conjunction with the audited consolidated financial statements and footnotes included in the Company’s annual report on Form 10-K for the year ended December 31, 2014. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">In the opinion of management, all adjustments necessary to present fairly the financial position and the results of operations and cash flows for the interim periods have been made. All such adjustments are of a normal recurring nature. The results of operations for the three and six months ended June 30, 2015 are not necessarily indicative of the results of operations which the Company may achieve for the entire year. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Some items in the prior period financial statements were reclassified to conform to the current presentation. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">(b) Loans and Allowance for Loan Losses <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of deferred loan fees and costs, and an allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Non-Accrual Loan Procedures: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Interest income on loans of all segments and classes are generally discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Consumer loans are typically charged off no later than 120 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. A loan is moved to non-accrual status in accordance with the Company’s policy, typically after 90 days of non-payment as measured from the loan’s contractual due date. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">All interest, accrued but not received, for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Subsequent payments of interest are recognized on the cash basis as income when full collection of principal is expected. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured and there is a period of at least 6 months of repayment performance (1 year for loans providing for quarterly or semi-annual payments) by the borrower in accordance with contractual terms. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Concentration of Credit Risk: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Most of the Company’s business activity is with customers located within the Augusta-Richmond County, GA-SC metropolitan statistical area, part of the Central Savannah River Area (“CSRA”). Therefore, the Company’s exposure to credit risk is significantly affected by changes in the economy in this area. The Company also has a significant concentration of loans with real estate developers. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Allowance for Loan Losses: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The allowance for loan losses (ALLL) is a valuation allowance for probable incurred credit losses. The allowance for loan losses is established through a provision for loan losses charged to expense. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Impaired Loans and Troubled Debt Restructurings: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due (both principal and interest) according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">All lending relationships over $500 are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosures. Troubled debt restructurings are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following portfolio segments have been identified:  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="text-align: left; vertical-align: top;"> <td style="width: 47px;"> </td> <td style="width: 47px;"> </td> <td style="width: 1473px;"> </td> </tr> <tr style="text-align: left; vertical-align: top;"> <td> </td> <td> •</td> <td>Acquisition Development and Construction (“ADC”) – CSRA</td> </tr> <tr style="text-align: left; vertical-align: top;"> <td> </td> <td> •</td> <td>ADC – Other</td> </tr> <tr style="text-align: left; vertical-align: top;"> <td> </td> <td> •</td> <td>Commercial Real Estate – Non owner occupied</td> </tr> <tr style="text-align: left; vertical-align: top;"> <td> </td> <td> •</td> <td>Commercial Real Estate – Owner occupied</td> </tr> <tr style="text-align: left; vertical-align: top;"> <td> </td> <td> •</td> <td>1-4 Family</td> </tr> <tr style="text-align: left; vertical-align: top;"> <td> </td> <td> •</td> <td>Consumer</td> </tr> <tr style="text-align: left; vertical-align: top;"> <td> </td> <td> •</td> <td>Other – Commercial, Financial and Agricultural</td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following is a discussion of the risk characteristics of these portfolio segments. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Acquisition, Development & Construction (ADC) – CSRA (Primary Market) – ADC lending carries all of the normal risks involved in lending including the changing nature of borrower and guarantor financial conditions and the knowledge that the sale of the completed lots and/or structures is likely the sole source of repayment as opposed to other forms of borrower cash flow. In addition, this type of lending carries several additional risk factors including: (1) timely project completion (contractor financial condition, commodity prices, weather delays, prospective tenant financial condition); (2) market factors (changing economic conditions, unemployment rates, end-user financing availability, interest rates); (3) competition (similar product availability, bank foreclosed properties); and (4) end-product price stability. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">ADC – Other – ADC lending in all other markets carries all of the ADC risks outlined for the CSRA plus the additional risk of lending outside of the Company’s traditional market area where our knowledge of these markets may not be as well developed. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Commercial Real Estate – Non Owner Occupied – This lending category includes loans for office, warehouse, retail, hotel/motel and other non-owner occupied properties. Loans in this category carry more risk than owner-occupied properties because the property’s cash flow is not derived from the owner of the property’s business, but from unrelated tenants. These outside tenants are each subject to their own set of business risks depending upon their own financial situation, competitors, industry segment and general economic conditions. Therefore, the cash flow from the property in the form of rent may not be as stable as a one-user, owner-occupied property. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Commercial Real Estate – Owner Occupied – This portfolio segment includes loans to finance office buildings, retail establishments, warehouses, convenience stores, churches, schools, daycare facilities, restaurants, health care facilities, golf courses and other owner-occupied properties. Loans in this category generally carry less risk than non-owner occupied properties because the cash flow to service the property’s debt is derived from the owner of the property’s business as opposed to unrelated third-party tenants. The cash flows and property values for one-user, owner-occupied properties tend to be more stable because they are based upon the operation of the owner’s business as opposed to rent from a variety of smaller tenants (each of which carries its own set of business and market risks). <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">1-4 Family – This lending category includes loans secured by improved residential real estate. Loans in this category are affected by local real estate markets, local & national economic factors affecting borrowers’ employment prospects & income levels, and levels & movement of interest rates and the general availability of mortgage financing. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Consumer – This portfolio segment includes loans secured by consumer goods (e.g. vehicles, recreational products, equipment, etc.), but also may be unsecured. Similar to the 1-4 family category, this segment of the loan portfolio depends on a variety of local & national economic factors affecting borrowers’ employment prospects, income levels and overall economic sentiment. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Commercial, Financial and Agricultural – This portfolio segment includes loans for a wide variety of business purposes. This segment also includes home equity lines of credit, loans secured by multi-family properties and loans to government entities. Loans in this category are affected by changes in national, regional and local economic factors that affect the businesses that operate in our market. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans that become uncollectible, based on evaluations of the collectability of loans. The evaluations take into consideration such factors as changes in the nature and volume of the loan portfolio, historical loss rates, overall portfolio quality, review of specific problem loans, and current economic conditions and trends that may affect a borrower’s ability to pay. The allowance is evaluated on a regular basis utilizing estimated loss factors for specific types of loans. Such loss factors are periodically reviewed and adjusted as necessary based on actual losses. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may advise the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The process of assessing the adequacy of the allowance is necessarily subjective. Further, and particularly in terms of economic downturns, it is reasonably possible that future credit losses may exceed historical loss levels and may also exceed management’s current estimates of probable incurred credit losses inherent within the loan portfolio. As such, there can be no assurance that future loan charge-offs will not exceed management’s current estimate of the allowance for loan losses. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <div style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">ALLL Methodology:</div> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company’s approach to ALLL reserve calculation uses two distinct perspectives, the guidelines of using Financial Accounting Standards ASC 450 (Accounting for Contingencies) and ASC 310 (Accounting by Creditors for Impairment of a Loan, for individual loans). The process is generally as follows and methodology applies to all classes of loans within the portfolio segments: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="text-align: left; vertical-align: top;"> <td style="width: 47px;"> </td> <td style="width: 47px;"> •</td> <td style="width: 1473px; text-align: justify;">Loans are grouped in categories of similar risk characteristics (portfolio segments).</td> </tr> <tr style="text-align: left; vertical-align: top;"> <td> </td> <td> •</td> <td style="text-align: justify;">For each loan category, a four year average rolling historical net loss rate is calculated, with the loss rate more heavily weighted to the most recent two years loss history. The historical loss ratios are adjusted for internal and external qualitative factors within each loan category. The qualitative factor adjustment may be further increased for loan classifications of watch rated and substandard within each category. Factors include:</td> </tr> </table> <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0pt 0px 0pt 0.75in; text-align: justify; color: #000000; text-transform: none; text-indent: -0.25in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○</td> <td style="text-align: justify;">levels and trends in delinquencies and impaired/classified/graded loans;</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○</td> <td style="text-align: justify;">changes in the quality of the loan review system;</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○</td> <td style="text-align: justify;">trends in volume and terms of loans;</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○</td> <td style="text-align: justify;">effects of changes in risk selection and underwriting standards, and other changes in lending policies, procedures and practices;</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○</td> <td style="text-align: justify;">experience, ability, and depth of lending management and other relevant staff;</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○</td> <td style="text-align: justify;">national and local economic trends and conditions;</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○</td> <td style="text-align: justify;">changes in the value of underlying collateral;</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○</td> <td style="text-align: justify;">other external factors-competition, legal and regulatory requirements; and</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○</td> <td style="text-align: justify;">effects of changes in credit concentrations.</td> </tr> </table> <p style="font: 10pt/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="text-align: left; vertical-align: top;"> <td style="width: 47px;"> </td> <td style="width: 47px;"> •</td> <td style="width: 1473px; text-align: justify;">The resultant loss factor is applied to each respective loan pool to calculate the ALLL for each loan pool.</td> </tr> <tr style="text-align: left; vertical-align: top;"> <td> </td> <td> •</td> <td style="text-align: justify;">The total of each loan pool is then added to the ALLL determined for individual loans evaluated for impairment in accordance with ASC 310.</td> </tr> </table> There have been no changes to the methodology during 2015 and 2014. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Loans Held for Sale: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Mortgage loans held for sale are generally sold with servicing rights released. The Company originates mortgages to be held for sale only for loans that have been individually pre-approved by the investor. Mortgage loans originated and intended for sale in the secondary market are carried at fair value, as determined by outstanding commitments from investors. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company bears minimal interest rate risk on these loans and only holds the loans temporarily until documentation can be completed to finalize the sale to the investor. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">   <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as free standing derivatives. Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked. The Company enters into forward commitments for the future delivery of mortgage loans when interest rate locks are entered into, in order to hedge the change in interest rates resulting from its commitments to fund the loans. Changes in the fair values of these derivatives are included in net gains on sales of loans. Fair values of these derivatives were $50 and $6 as of June 30, 2015 and December 31, 2014, respectively. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">(c) Derivatives <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">At the inception of a derivative contract, the Company designates the derivative as one of three types based on the Company’s intentions and belief as to likely effectiveness as a hedge.  These three types are (1) a hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (“fair value hedge”), (2) a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to a recognized asset or liability (“cash flow hedge”), or (3) an instrument with no hedging designation (“stand-alone derivative”).  For a fair value hedge, the gain or loss on the derivative, as well as the offsetting loss or gain on the hedged item, are recognized in current earnings as fair values change. For a cash flow hedge, the gain or loss on the derivative is reported in other comprehensive income and is reclassified into earnings in the same periods during which the hedged transaction affects earnings.  For both types of hedges, changes in the fair value of derivatives that are not highly effective in hedging the changes in fair value or expected cash flows of the hedged item are recognized immediately in current earnings. Changes in the fair value of derivatives that do not qualify for hedge accounting are reported currently in earnings, as noninterest income.  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest income or interest expense, based on the item being hedged.  Net cash settlements on derivatives that do not qualify for hedge accounting are reported in noninterest income. Cash flows on hedges are classified in the cash flow statement the same as the cash flows of the items being hedged. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company formally documents the relationship between derivatives and hedged items, as well as the risk-management objective and the strategy for undertaking hedge transactions at the inception of the hedging relationship.  This documentation includes linking fair value or cash flow hedges to specific assets and liabilities on the balance sheet or to specific firm commitments or forecasted transactions.  The Company also formally assesses, both at the hedge’s inception and on an ongoing basis, whether the derivative instruments that are used are highly effective in offsetting changes in fair values or cash flows of the hedged items. The Company discontinues hedge accounting when it determines that the derivative is no longer effective in offsetting changes in the fair value or cash flows of the hedged item, the derivative is settled or terminates, a hedged forecasted transaction is no longer probable, a hedged firm commitment is no longer firm, or treatment of the derivative as a hedge is no longer appropriate or intended. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">When hedge accounting is discontinued, subsequent changes in fair value of the derivative are recorded as noninterest income.  When a fair value hedge is discontinued, the hedged asset or liability is no longer adjusted for changes in fair value and the existing basis adjustment is amortized or accreted over the remaining life of the asset or liability. When a cash flow hedge is discontinued but the hedged cash flows or forecasted transactions are still expected to occur, gains or losses that were accumulated in other comprehensive income are amortized into earnings over the same periods which the hedged transactions will affect earnings. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">(d) Recent Accounting Pronouncements <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">In May 2014, the FASB issued an update (ASU No. 2014-09, Revenue from Contracts with Customers) creating FASB Topic 606, Revenue from Contracts with Customers. The guidance in this update affects any entity that either enters into contracts with customers to transfer goods or services or enters into contracts for the transfer of nonfinancial assets unless those contracts are within the scope of other standards (for example, insurance contracts or lease contracts). The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The guidance provides steps to follow to achieve the core principle. An entity should disclose sufficient information to enable users of financial statements to understand the nature, amount, timing and uncertainty of revenue and cash flows arising from contracts with customers. Qualitative and quantitative information is required about contracts with customers, significant judgments and changes in judgments, and assets recognized from the costs to obtain or fulfill a contract. The amendments in this update are effective for interim and annual reporting periods beginning after December 15, 2017. We are currently evaluating the impact of adopting the new guidance on the consolidated financial statements.

<p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Note 3 – Loans <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following table summarizes loans at June 30, 2015 and December 31, 2014. <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">June 30, 2015</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">December 31, 2014</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="6">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: center;" colspan="6"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 931px; text-align: left; text-indent: 0pt;">Commercial, financial, and agricultural</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 14px; text-align: left;">$</td> <td style="width: 197px; text-align: right;">193,735</td> <td style="width: 14px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 14px; text-align: left;"> </td> <td style="width: 14px; text-align: left;"> </td> <td style="width: 197px; text-align: right;">208,905</td> <td style="width: 14px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">Commercial</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">375,225</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">371,488</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">Residential</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">207,067</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">204,097</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 0.125in;"> Acquisition, development and construction  </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">149,517</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">164,303</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Consumer installment</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">16,863</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">17,248</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">942,407</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">966,041</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Less allowance for loan losses</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">23,372</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">25,506</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Less deferred loan origination fees (costs)</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(130</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(315</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">919,165</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">940,850</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following tables present the activity in the allowance for loan losses by portfolio segment as of and for the three and six month periods ended June 30, 2015 and 2014.  <p style="font: 13.33px/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="30">Three Months Ended June 30, 2015</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Commercial,</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Financial, and</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">CRE - Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">CRE - Non Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Residential</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Agricultural</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Real Estate</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">CSRA</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Other</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Consumer</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="30">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: 0pt;">Allowance for loan losses:</td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 239px; text-align: left; text-indent: 0pt; padding-left: 0.125in;">Beginning balance</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 126px; text-align: right;">5,295</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">5,373</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">3,838</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">6,355</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 110px; text-align: right;">1,631</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">2,197</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">702</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">25,391</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Charge-offs</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(517</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(74</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(245</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(250</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(20</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(132</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1,238</td> <td style="text-align: left;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Recoveries</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">187</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,666</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">54</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,909</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Provision</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(538</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">141</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">225</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">424</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(2,922</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(23</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(2,690</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">Ending balance</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">4,427</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,441</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">3,841</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">6,336</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">1,805</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">921</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">601</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">23,372</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="30">Three Months Ended June 30, 2014</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Commercial,</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Financial, and</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">CRE - Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">CRE - Non Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Residential</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Agricultural</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Real Estate</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">CSRA</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Other</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Consumer</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="30">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Allowance for loan losses:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">Beginning balance</td> <td style="text-align: left;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">5,570</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,036</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,073</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,503</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,757</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,789</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">572</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">26,300</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Charge-offs</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(240</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(18</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(84</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(55</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(129</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(526</td> <td style="text-align: left;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Recoveries</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">15</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">19</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">60</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">98</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Provision</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">229</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">111</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">404</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">210</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(191</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">163</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">85</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">1,011</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">Ending balance</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,574</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">6,133</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">3,477</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,648</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">2,511</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">2,952</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">588</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">26,883</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 13.33px/normal 'times new roman', times, serif; text-align: center; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="30">Six Months Ended June 30, 2015</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Commercial,</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Financial, and</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">CRE - Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">CRE - Non Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Residential</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Agricultural</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Real Estate</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">CSRA</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Other</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Consumer</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="30">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: 0pt;" nowrap="nowrap">Allowance for loan losses:</td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 239px; text-align: left; text-indent: 0pt; padding-left: 0.125in;">Beginning balance</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 126px; text-align: right;">5,407</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">4,805</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">3,817</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">6,591</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 110px; text-align: right;">1,943</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">2,320</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">623</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">25,506</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Charge-offs</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1,134</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(74</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(286</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(255</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(20</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(261</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(2,030</td> <td style="text-align: left;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Recoveries</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">217</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,695</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">113</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,039</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Provision</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(63</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">708</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">24</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">19</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">117</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(3,074</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">126</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(2,143</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">Ending balance</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">4,427</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,441</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">3,841</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">6,336</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">1,805</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">921</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">601</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">23,372</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="30">Six Months Ended June 30, 2014</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Commercial,</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Financial, and</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">CRE - Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">CRE - Non Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Residential</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Agricultural</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Real Estate</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">CSRA</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Other</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Consumer</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="30">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Allowance for loan losses:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">Beginning balance</td> <td style="text-align: left;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">5,774</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,706</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,275</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,590</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,107</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,379</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">578</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">26,409</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Charge-offs</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(375</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(18</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(718</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(224</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(151</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(69</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(286</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1,841</td> <td style="text-align: left;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Recoveries</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">36</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">24</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">26</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">153</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">247</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Provision</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">139</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">437</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">896</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">256</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(445</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">642</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">143</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2,068</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">Ending balance</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,574</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">6,133</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">3,477</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,648</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">2,511</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">2,952</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">588</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">26,883</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following tables present the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of June 30, 2015 and December 31, 2014. <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="30">June 30, 2015</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Commercial,</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Financial, and</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">CRE - Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">CRE - Non Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Residential</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Agricultural</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Real Estate</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">CSRA</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Other</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Consumer</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="30">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.125in;" nowrap="nowrap">Allowance for loan losses:</td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.25in;">Ending balance attributable to loans:</td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 215px; text-align: left; text-indent: -9pt; padding-left: 0.375in;">Individually evaluated for impairment</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 126px; text-align: right;">—</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">—</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">—</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">—</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 110px; text-align: right;">—</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">—</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">—</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">—</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.375in;">Collectively evaluated for impairment</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">4,427</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">5,441</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">3,841</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">6,336</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">1,805</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">921</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">601</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">23,372</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">4,427</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,441</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">3,841</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">6,336</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">1,805</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">921</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">601</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">23,372</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Loans:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.25in;">Individually evaluated for impairment</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,072</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">276</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,520</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,295</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,541</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">64</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">13,769</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.25in;">Collectively evaluated for impairment</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">192,663</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">218,208</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">149,221</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">204,772</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">108,060</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">38,852</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">16,862</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">928,638</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">193,735</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">218,484</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">156,741</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">207,067</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">110,601</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">38,916</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">16,863</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">942,407</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="30">December 31, 2014</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Commercial,</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Financial, and</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">CRE - Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">CRE - Non Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Residential</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Agricultural</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Real Estate</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">CSRA</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Other</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Consumer</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="30">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.125in;">Allowance for loan losses:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.25in;">Ending balance attributable to loans:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.375in;">Individually evaluated for impairment</td> <td style="text-align: left;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">207</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">207</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.375in;">Collectively evaluated for impairment</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">5,200</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">4,805</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">3,817</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">6,591</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">1,943</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2,320</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">623</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">25,299</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,407</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">4,805</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">3,817</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">6,591</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">1,943</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">2,320</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">623</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">25,506</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Loans:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.25in;">Individually evaluated for impairment</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,995</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,289</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,687</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,285</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,849</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,082</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">20,189</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.25in;">Collectively evaluated for impairment</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">205,910</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">218,619</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">143,893</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">201,812</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">107,235</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">51,137</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">17,246</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">945,852</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">208,905</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">219,908</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">151,580</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">204,097</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">110,084</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">54,219</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">17,248</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">966,041</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table> <div style="font: 13.33px/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 6pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following tables present loans individually evaluated for impairment by class of loans as of June 30, 2015 and December 31, 2014.</div> <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="14">  June 30, 2015</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Unpaid</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Allowance for</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Average</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Principal</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Recorded</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Loan Losses</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Recorded</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Balance</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Investment (2)</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Allocated</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Investment</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="14">  (Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: 0pt;">With no related allowance recorded: (1)</td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 717px; text-align: left; text-indent: 0pt; padding-left: 0.375in;">Commerical</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 157px; text-align: right;">1,987</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 157px; text-align: right;">882</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 156px; text-align: right;">—</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 156px; text-align: right;">1,660</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Financial</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Agricultural</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">252</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">190</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">196</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Equity lines</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">276</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">276</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">278</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Non Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,754</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,520</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,602</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Secured by first liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,879</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,195</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,384</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Secured by junior liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">150</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">100</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">102</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 0.25in;"> Acquisition, development and construction:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Residential</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,580</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,605</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,865</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Consumer</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">16,879</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">13,769</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">15,089</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td> </td> <td> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">With an allowance recorded:</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">16,879</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">13,769</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">15,089</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">(1) No specific allowance for credit losses is allocated to these loans since they are sufficiently collateralized or had charge-offs <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">(2) Excludes accrued interest receivable and loan origination fees, net due to immateriality <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">   <table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="14">  December 31, 2014</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Unpaid</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Allowance for</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Average</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Principal</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Recorded</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Loan Losses</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Recorded</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Balance</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Investment (2)</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Allocated</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Investment</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="14">  (Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: 0pt;">With no related allowance recorded: (1)</td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 717px; text-align: left; text-indent: 0pt; padding-left: 0.375in;">Commerical</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 157px; text-align: right;">2,000</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 157px; text-align: right;">611</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 156px; text-align: right;">—</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 156px; text-align: right;">1,805</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Financial</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Agricultural</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">263</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">206</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">231</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Equity lines</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,385</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,289</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,377</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Non Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,907</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,687</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,792</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Secured by first liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,711</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,181</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,229</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Secured by junior liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">150</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">104</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">110</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 0.25in;"> Acquisition, development and construction:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Residential</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8,518</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,931</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,326</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Consumer</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">22,936</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">18,011</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">20,873</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">With an allowance recorded:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 0.25in;"> Commercial, financial, and agricultural:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Commerical</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2,245</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2,178</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">207</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2,203</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2,245</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2,178</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">207</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2,203</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">25,181</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">20,189</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">207</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">23,076</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0pt 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0pt 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">(1) No specific allowance for credit losses is allocated to these loans since they are sufficiently collateralized or had charge-offs  <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0pt 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">(2) Excludes accrued interest receivable and loan origination fees, net due to immateriality  <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0pt 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">   <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following tables present interest income on impaired loans for the three and six months ended June 30, 2015 and 2014.  <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6">Three Months Ended June 30, 2015</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6">Six Months Ended June 30, 2015</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Interest</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Cash Basis</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Interest</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Cash Basis</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Income</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Interest Income</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Income</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Interest Income</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Recognized</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Recognized</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Recognized</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Recognized</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="6">(Dollars in thousands)</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="6">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 541px; text-align: left; text-indent: 0pt; padding-left: 0.25in;">Commerical</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 14px; text-align: left;">$</td> <td style="width: 169px; text-align: right;">—</td> <td style="width: 14px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 14px; text-align: left;"> </td> <td style="width: 14px; text-align: left;"> </td> <td style="width: 169px; text-align: right;">—</td> <td style="width: 14px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 14px; text-align: left;"> </td> <td style="width: 14px; text-align: left;"> </td> <td style="width: 169px; text-align: right;">—</td> <td style="width: 14px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 14px; text-align: left;"> </td> <td style="width: 14px; text-align: left;"> </td> <td style="width: 169px; text-align: right;">—</td> <td style="width: 14px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Financial</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Agricultural</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Equity lines</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Non Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">73</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">73</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">178</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">178</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by first liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by junior liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> Acquisition, development and construction:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Residential</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">13</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">13</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Consumer</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">93</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">93</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">230</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">230</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6">Three Months Ended June 30, 2014</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6">Six Months Ended June 30, 2014</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Interest</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Cash Basis</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Interest</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Cash Basis</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Income</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Interest Income</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Income</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Interest Income</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Recognized</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Recognized</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Recognized</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Recognized</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="6">(Dollars in thousands)</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="6">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Commerical</td> <td style="text-align: left;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Financial</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Agricultural</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Equity lines</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Non Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">80</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">80</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">163</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">163</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by first liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by junior liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> Acquisition, development and construction:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Residential</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">11</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">11</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">21</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">21</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Consumer</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">101</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">101</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">206</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">206</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following tables present the aging of the recorded investment in past due loans as of June 30, 2015 and December 31, 2014 by class of loans. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="22" nowrap="nowrap">June 30, 2015</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">30 - 89 Days</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">90 Days or</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Nonaccrual</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Loans Not</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Past Due</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">More Past Due</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Loans</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Past Due</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Past Due</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="22" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 415px; text-align: left; text-indent: 0pt; padding-left: 0.25in;">Commerical</td> <td style="width: 16px; text-align: right;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 142px; text-align: right;">28</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: right;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 142px; text-align: right;">—</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: right;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 142px; text-align: right;">903</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: right;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 141px; text-align: right;">931</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: right;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 141px; text-align: right;">104,016</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: right;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 141px; text-align: right;">104,947</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Financial</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,273</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,273</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Agricultural</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">264</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">190</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">454</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">11,381</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">11,835</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Equity lines</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">35</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">95</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">130</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">36,331</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">36,461</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">69</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">69</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">33,150</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">33,219</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Owner occupied</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,167</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">300</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,467</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">213,017</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">218,484</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Non Owner occupied</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">844</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">844</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">155,897</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">156,741</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by first liens</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">351</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,015</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,366</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">197,679</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">201,045</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by junior liens</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">336</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">336</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,686</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,022</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> Acquisition, development and construction:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Residential</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">43,884</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">43,884</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">866</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,337</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,203</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">102,430</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">105,633</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Consumer</td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">46</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">69</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">115</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">16,748</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">16,863</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">6,757</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">8,158</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">14,915</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">927,492</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">942,407</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="22" nowrap="nowrap">December 31, 2014</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">30 - 89 Days</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">90 Days or</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Nonaccrual</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Loans Not</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Past Due</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">More Past Due</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Loans</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Past Due</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Past Due</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="22" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Commerical</td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,865</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,865</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">119,815</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">122,680</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Financial</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,355</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,355</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Agricultural</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">276</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">206</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">482</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,315</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,797</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Equity lines</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">33</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">318</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">351</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">33,298</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">33,649</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">69</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">69</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">33,355</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">33,424</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Owner occupied</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,638</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">620</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,258</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">217,650</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">219,908</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Non Owner occupied</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">877</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">877</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">150,703</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">151,580</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by first liens</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,919</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,451</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,370</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">190,970</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">197,340</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by junior liens</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">347</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">188</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">535</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,222</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,757</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> Acquisition, development and construction:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Residential</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">45,264</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">45,264</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">258</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,874</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,132</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">112,907</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">119,039</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Consumer</td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">44</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">136</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">180</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">17,068</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">17,248</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,515</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">14,604</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">20,119</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">945,922</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">966,041</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Troubled Debt Restructurings: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: red; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company has troubled debt restructurings (TDRs) with a balance of $9,136 and $9,669 included in impaired loans at June 30, 2015 and December 31, 2014, respectively. No specific reserves were allocated to customers whose loan terms had been modified in TDRs as of June 30, 2015 and December 31, 2014. The Company is not committed to lend additional amounts as of June 30, 2015 and December 31, 2014 to customers with outstanding loans that are classified as TDRs. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">   <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following tables present TDRs as of June 30, 2015 and December 31, 2014. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; text-align: justify; color: #000000; text-transform: none; text-indent: 0in; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; margin-left: 0.5in; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <table align="center" style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6" nowrap="nowrap">June 30, 2015</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Number of</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Recorded</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Loans</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="6" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: 0pt;">Troubled Debt Restructurings:</td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 855px; text-align: left; text-indent: 0pt; padding-left: 0.5in;">Commerical</td> <td style="width: 13px; text-align: left;"> </td> <td style="width: 13px; text-align: left;"> </td> <td style="width: 138px; text-align: right;">-</td> <td style="width: 13px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 12px; text-align: left;"> </td> <td style="width: 12px; text-align: left;">$</td> <td style="width: 137px; text-align: right;">-</td> <td style="width: 12px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Financial</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Agricultural</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Equity lines</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">276</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Non Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,752</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Secured by first liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,095</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Secured by junior liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">100</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 0.25in;"> Acquisition, development and construction:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Residential</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,913</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Consumer</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">18</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">9,136</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6" nowrap="nowrap">December 31, 2014</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Number of</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Recorded</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Loans</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="6" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Troubled Debt Restructurings:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Commerical</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Financial</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Agricultural</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Equity lines</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">354</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Non Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,878</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Secured by first liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,112</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Secured by junior liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">104</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 0.25in;"> Acquisition, development and construction:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Residential</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.5in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,221</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Consumer</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">19</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">9,669</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; text-align: justify; color: #000000; text-transform: none; text-indent: 0in; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; margin-left: 0.5in; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">   <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">No loans were modified as TDRs during the six months ended June 30, 2015. One residential real estate loan was modified as a TDR during the six months ended June 30, 2014. This modification involved a 2.13% reduction of the stated interest rate of the loan and an extension of the maturity date for 192 months. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following tables present loans by class modified as TDRs that occurred during the three and six months ended June 30, 2015 and 2014.  <p style="font: 13.33px/normal 'times new roman', times, serif; text-align: left; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="10" nowrap="nowrap">Three Months Ended June 30, 2015</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="10" nowrap="nowrap">Three Months Ended June 30, 2014</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Pre-Modification</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Post-Modification</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Pre-Modification</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Post-Modification</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Number of</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Outstanding</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Outstanding</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Number of</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Outstanding</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Outstanding</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Loans</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Recorded Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Recorded Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Loans</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Recorded Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Recorded Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="10" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="10" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: -9pt; padding-left: 9pt;">Troubled Debt Restructurings:</td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 405.4px; text-align: left; text-indent: 0pt; padding-left: 0.35in;">Commerical</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 142px; text-align: right;">-</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 142px; text-align: right;">-</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 142px; text-align: right;">-</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 141px; text-align: right;">-</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;">$</td> <td style="width: 141px; text-align: right;">-</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;">$</td> <td style="width: 141px; text-align: right;">-</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Financial</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Agricultural</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Equity lines</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 18pt;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Non Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: -9pt; padding-left: 18pt;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Secured by first liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Secured by junior liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 18pt;">Acquisition, development and construction: </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Residential</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 9pt;">Consumer</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 13.33px/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">   <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="10" nowrap="nowrap">Six Months Ended June 30, 2015</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="10" nowrap="nowrap">Six Months Ended June 30, 2014</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Pre-Modification</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Post-Modification</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Pre-Modification</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Post-Modification</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Number of</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Outstanding</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Outstanding</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Number of</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Outstanding</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Outstanding</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Loans</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Recorded Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Recorded Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Loans</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Recorded Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Recorded Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="10" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="10" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: -9pt; padding-left: 9pt;">Troubled Debt Restructurings:</td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 405.4px; text-align: left; text-indent: 0pt; padding-left: 0.35in;">Commerical</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 142px; text-align: right;">-</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 142px; text-align: right;">-</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 142px; text-align: right;">-</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 141px; text-align: right;">-</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;">$</td> <td style="width: 141px; text-align: right;">-</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;">$</td> <td style="width: 141px; text-align: right;">-</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Financial</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Agricultural</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Equity lines</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 18pt;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Non Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: -9pt; padding-left: 18pt;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Secured by first liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">287</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">220</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Secured by junior liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 18pt;">Acquisition, development and construction: </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Residential</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 9pt;">Consumer</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">287</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">220</td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: center; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. There were no TDRs with payment defaults during the three and six months ended June 30, 2015 and June 31, 2014. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">   <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">For the six months ended June 30, 2014, the TDR described in the previous table increased the allowance for loan losses by $53 and resulted in charge-offs of $53.  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Charge-offs on such loans are factored into the rolling historical loss rate, which is used in the calculation of the allowance for loan losses.  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The terms of certain other loans were modified during the three and six month periods ended June 30, 2015 and 2014 that did not meet the definition of a TDR. Loans modified during the three month periods have a total recorded investment as of June 30, 2015 and 2014 of $1,870 and $621, respectively, and had delays in payment of 30 days in 2015 and delays ranging from 30 days to 2 months in 2014. Loans modified during the six month periods have a total recorded investment as of June 30, 2015 and 2014 of $4,019 and $1,453, respectively, and had delays in payment ranging from 30 days to 3 months in 2015 and 2014. The modification of these loans involved either a modification of the terms of a loan to borrowers who were not experiencing financial difficulties or a delay in a payment that was considered to be insignificant. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy.  <p style="font: 11pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Credit Quality Indicators:  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company, through its originating account officer, places an initial credit risk rating on every loan. An annual review and analysis of loan relationships (irrespective of loan types included in the overall relationship) with total related exposure of $500 or greater is performed by the Credit Administration department in order to update risk ratings given current available information.  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Through the review of delinquency reports, updated financial statements or other relevant information in the normal course of business, the lending officer and/or Credit Administration review personnel may determine that a loan relationship has weakened to the point that a criticized (Watch grade) or classified (Substandard & Doubtful grades) status is warranted. When a loan relationship with total related exposure of $200 or greater is adversely graded (Watch or above), the lending officer is then charged with preparing a Classified/Watch report which outlines the background of the credit problem, current repayment status of the loans, current collateral evaluation and a workout plan of action. This plan may include goals to improve the credit rating, assisting the borrower in moving the loans to another institution and/or collateral liquidation. All such Classified/Watch reports are reviewed on a quarterly basis by members of Executive Management at a regularly scheduled meeting in which each lending officer presents the workout plans for their criticized credit relationships. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company uses the following definitions for risk ratings. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px 0pt 27pt; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Watch: Loans classified as watch have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">   <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Substandard: Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">   <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Doubtful: Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">   <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. As of June 30, 2015 and December 31, 2014, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <table align="center" style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="14" nowrap="nowrap">June 30, 2015</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Pass</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Watch</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Substandard</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Doubtful</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="14" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 729px; text-align: left; text-indent: 0pt; padding-left: 0.25in;">Commerical</td> <td style="width: 16px; text-align: right;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 157px; text-align: right;">99,961</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: right;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 157px; text-align: right;">2,195</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: right;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 156px; text-align: right;">2,791</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: right;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 156px; text-align: right;">—</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Financial</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,273</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Agricultural</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8,638</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,564</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">633</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Equity lines</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">35,376</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">719</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">366</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,814</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">336</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">69</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0in;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Owner occupied</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">196,336</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">15,262</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,886</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Non Owner occupied</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">143,630</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,909</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8,202</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by first liens</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">188,462</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,796</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,787</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by junior liens</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,197</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">194</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">631</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> Acquisition, development and construction:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Residential</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">43,781</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">103</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">96,258</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,233</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,142</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Consumer</td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">16,353</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">396</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">114</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">874,079</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">40,707</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">27,621</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table align="center" style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="14" nowrap="nowrap">December 31, 2014</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"></td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Pass</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Watch</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Substandard</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Doubtful</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="14" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 729px; text-align: left; text-indent: 0pt; padding-left: 0.25in;">Commerical</td> <td style="width: 16px; text-align: right;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 157px; text-align: right;">109,908</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: right;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 157px; text-align: right;">7,782</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: right;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 156px; text-align: right;">4,990</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: right;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 156px; text-align: right;">—</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Financial</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,355</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Agricultural</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,636</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,960</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,201</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Equity lines</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,773</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">287</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">589</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">33,012</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">343</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">69</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Owner occupied</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">201,840</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14,593</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,475</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Non Owner occupied</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">137,973</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,066</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8,541</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by first liens</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">183,898</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8,115</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,327</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by junior liens</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,125</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">149</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">483</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> Acquisition, development and construction:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Residential</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">45,264</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">101,047</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">11,597</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,395</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Consumer</td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">16,919</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">154</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">175</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td></td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">884,750</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">50,046</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">31,245</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table> <div> </div>

<p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Note 4 – Fair Value Measurements <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: red; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Fair value is the exchange price that would be received to sell an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants at the measurement date. The fair value hierarchy 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 values: <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0px;"></td> <td style="width: 1in; text-align: left;">Level 1:</td> <td style="text-align: justify;">Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.</td> </tr> </table> <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px 0px 0px 1in; text-align: justify; color: #000000; text-transform: none; text-indent: -1in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0px;"></td> <td style="width: 1in; text-align: left;">Level 2:</td> <td style="text-align: justify;">Significant other observable inputs other than Level 1 prices, such as quoted market prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data.</td> </tr> </table> <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px 0px 0px 1in; text-align: justify; color: #000000; text-transform: none; text-indent: -1in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0px;"></td> <td style="width: 1in; text-align: left;">Level 3:</td> <td style="text-align: justify;">Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.</td> </tr> </table> <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">In determining the appropriate levels, the Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument: <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Investment Securities: The fair values for investment securities are determined by quoted market prices, if available (Level 1). For securities where quoted prices are not available, fair values are calculated based on matrix pricing which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities relationship to other benchmark quoted securities (Level 2). For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other non-observable market indicators (Level 3). The fair values of Level 3 investment securities are determined by an independent third party. These valuations are then reviewed by the Company’s Controller and CFO. Discounted cash flows are calculated using spread to swap and LIBOR curves that are updated to incorporate loss severities, volatility, credit spread and optionality. During times when trading is more liquid, broker quotes are used (if available) to validate the model. Rating agency and industry research reports as well as defaults and deferrals on individual securities are reviewed and incorporated into the calculations.  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Interest Rate Swap Derivatives: The fair value of interest rate swap derivatives is determined based on discounted cash flow valuation models using observable market data as of the measurement date (Level 2 inputs). The fair value adjustment is included in other liabilities. <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Mortgage Banking Derivatives: The fair value of mortgage banking derivatives is determined by individual third party sales contract prices for the specific loans held at each reporting period end (Level 2 inputs). The fair value adjustment is included in other assets. <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Loans Held for Sale: Loans held for sale are carried at fair value, as determined by outstanding commitments, from third party investors (Level 2). None of the Company’s loans held for sale are past due 90 days or more or on nonaccrual as of June 30, 2015 and December 31, 2014. <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Impaired Loans: The fair value of collateral dependent impaired loans is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly. <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Other Real Estate Owned: Assets acquired through or instead of loan foreclosure are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. The fair value of other real estate owned is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value. Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly. <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Appraisals for both collateral dependent impaired loans and other real estate owned are performed by certified general appraisers, certified residential appraisers or state licensed appraisers whose qualifications and licenses are annually reviewed and verified by the Company. Once received, a member of the Real Estate Valuation Department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value and determines if reasonable. Appraisals for collateral dependent impaired loans and other real estate owned are updated annually. On an annual basis the Company compares the actual selling costs of collateral that has been liquidated to the selling price to determine what additional adjustment should be made to the appraisal value. The most recent analysis performed indicated that an additional discount of 8% should be applied to properties with appraisals performed within 12 months. <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Assets and Liabilities Measured on a Recurring Basis <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following tables present the balances of assets and liabilities measured at fair value on a recurring basis by level within the hierarchy as of June 30, 2015 and December 31, 2014. <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 9pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: center; font-size: 10pt; background-color: white;"> </td> <td style="text-align: center; background-color: white;"> </td> <td style="text-align: center; background-color: white;" colspan="2">June 30,</td> <td style="text-align: center; background-color: white;"> </td> <td style="text-align: center; background-color: white;"> </td> <td style="text-align: center; background-color: white;" colspan="2" nowrap="nowrap">Quoted Prices  in Active Markets for  Identical Assets</td> <td style="text-align: center; background-color: white;"> </td> <td style="text-align: center; background-color: white;"> </td> <td style="text-align: center; background-color: white;" colspan="2" nowrap="nowrap">Significant Other  Observable Inputs</td> <td style="text-align: center; background-color: white;"> </td> <td style="text-align: center; background-color: white;"> </td> <td style="text-align: center; background-color: white;" colspan="2" nowrap="nowrap">Significant  Unobservable  Inputs</td> <td style="text-align: center; background-color: white;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center; font-size: 10pt; background-color: white;"> </td> <td style="text-align: center; background-color: white;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; background-color: white;" colspan="2">2015</td> <td style="text-align: center; background-color: white;"> </td> <td style="text-align: center; font-size: 10pt; background-color: white;"> </td> <td style="text-align: center; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; background-color: white;" colspan="2">(Level 1)</td> <td style="text-align: center; font-size: 10pt; background-color: white;"> </td> <td style="text-align: center; background-color: white;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; background-color: white;" colspan="2">(Level 2)</td> <td style="text-align: center; background-color: white;"> </td> <td style="text-align: center; font-size: 10pt; background-color: white;"> </td> <td style="text-align: center; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; background-color: white;" colspan="2">(Level 3)</td> <td style="text-align: center; font-size: 10pt; background-color: white;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: center; font-size: 10pt; background-color: white;"> </td> <td style="text-align: center; font-style: italic; background-color: white;"> </td> <td style="text-align: center; font-style: italic; background-color: white;" colspan="14">(Dollars in thousands)</td> <td style="text-align: center; font-size: 10pt; background-color: white;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="background-color: white;">Assets:</td> <td style="font-size: 10pt; background-color: white;"> </td> <td style="text-align: left; font-size: 10pt; background-color: white;"> </td> <td style="text-align: right; font-size: 10pt; background-color: white;"> </td> <td style="text-align: left; font-size: 10pt; background-color: white;"> </td> <td style="font-size: 10pt; background-color: white;"> </td> <td style="text-align: left; font-size: 10pt; background-color: white;"> </td> <td style="text-align: right; font-size: 10pt; background-color: white;"> </td> <td style="text-align: left; font-size: 10pt; background-color: white;"> </td> <td style="font-size: 10pt; background-color: white;"> </td> <td style="text-align: left; font-size: 10pt; background-color: white;"> </td> <td style="text-align: right; font-size: 10pt; background-color: white;"> </td> <td style="text-align: left; font-size: 10pt; background-color: white;"> </td> <td style="font-size: 10pt; background-color: white;"> </td> <td style="text-align: left; font-size: 10pt; background-color: white;"> </td> <td style="text-align: right; font-size: 10pt; background-color: white;"> </td> <td style="text-align: left; font-size: 10pt; background-color: white;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-indent: -8.65pt; padding-left: 25.9pt; background-color: white;">Available-for-sale securities</td> <td style="font-size: 10pt; background-color: white;"> </td> <td style="text-align: left; font-size: 10pt; background-color: white;"> </td> <td style="text-align: right; font-size: 10pt; background-color: white;"> </td> <td style="text-align: left; font-size: 10pt; background-color: white;"> </td> <td style="font-size: 10pt; background-color: white;"> </td> <td style="text-align: left; font-size: 10pt; background-color: white;"> </td> <td style="text-align: right; font-size: 10pt; background-color: white;"> </td> <td style="text-align: left; font-size: 10pt; background-color: white;"> </td> <td style="font-size: 10pt; background-color: white;"> </td> <td style="text-align: left; font-size: 10pt; background-color: white;"> </td> <td style="text-align: right; font-size: 10pt; background-color: white;"> </td> <td style="text-align: left; font-size: 10pt; background-color: white;"> </td> <td style="font-size: 10pt; background-color: white;"> </td> <td style="text-align: left; font-size: 10pt; background-color: white;"> </td> <td style="text-align: right; font-size: 10pt; background-color: white;"> </td> <td style="text-align: left; font-size: 10pt; background-color: white;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 580.93px; text-align: left; text-indent: -8.65pt; padding-left: 34.55pt;">Obligations of U.S. Government agencies</td> <td style="width: 48px; font-size: 10pt;"> </td> <td style="width: 16px; text-align: left; font-size: 10pt;">$</td> <td style="width: 157px; text-align: right; font-size: 10pt;">192,531</td> <td style="width: 16px; text-align: left; font-size: 10pt;"> </td> <td style="width: 48px;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 157px; text-align: right;">-</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 47px;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 156px; text-align: right;">192,531</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 47px;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 156px; text-align: right;">-</td> <td style="width: 15px; text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -8.65pt; padding-left: 35pt;">Obligations of states and political subdivisions</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">127,601</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">127,601</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-indent: -8.65pt; padding-left: 35pt;">Mortgage-backed securities</td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -8.65pt; padding-left: 42pt;">U.S. GSE’s MBS - residential</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">118,421</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">118,421</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: -8.65pt; padding-left: 42pt;">U.S. GSE’s CMO</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">135,943</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">135,943</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -8.65pt; padding-bottom: 1px; padding-left: 35pt;">Corporate bonds</td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">102,567</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; padding-bottom: 1px; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; padding-bottom: 1px; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">102,567</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; padding-bottom: 1px; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; padding-bottom: 1px; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: -8.65pt; padding-bottom: 1px; padding-left: 25.9pt;">Total available-for-sale securities</td> <td style="padding-bottom: 1px; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">$</td> <td style="text-align: right; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">677,063</td> <td style="text-align: left; padding-bottom: 1px; font-size: 10pt;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; padding-bottom: 1px; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; padding-bottom: 1px; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">677,063</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; padding-bottom: 1px; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; padding-bottom: 1px; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: -8.65pt; padding-left: 25.9pt;">Loans held for sale</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">26,469</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">26,469</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: -8.65pt; padding-left: 25.9pt;">Mortgage banking derivatives</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">50</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">50</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 1px; font-size: 10pt;"> </td> <td style="padding-bottom: 1px; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left; padding-bottom: 1px; font-size: 10pt;"> </td> <td style="padding-bottom: 1px; font-size: 10pt;"> </td> <td style="text-align: left; padding-bottom: 1px; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; padding-bottom: 1px; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left; padding-bottom: 1px; font-size: 10pt;"> </td> <td style="padding-bottom: 1px; font-size: 10pt;"> </td> <td style="text-align: left; padding-bottom: 1px; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left; padding-bottom: 1px; font-size: 10pt;"> </td> <td style="padding-bottom: 1px; font-size: 10pt;"> </td> <td style="text-align: left; padding-bottom: 1px; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; padding-bottom: 1px; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left; padding-bottom: 1px; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: right; padding-bottom: 4px; font-size: 10pt;"></td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">703,582</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; padding-bottom: 4px; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; padding-bottom: 4px; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; padding-bottom: 4px; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">703,582</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px; font-size: 10pt;"> </td> <td style="text-align: left; padding-bottom: 4px; font-size: 10pt; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; padding-bottom: 4px; font-size: 10pt; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left; padding-bottom: 4px; font-size: 10pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td>Liabilities:</td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> <td style="text-align: right; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -8.65pt; padding-bottom: 1px; padding-left: 25.9pt;">Interest rate swap derivatives</td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">1,717</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; padding-bottom: 1px; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; padding-bottom: 1px; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; padding-bottom: 1px; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">1,717</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; padding-bottom: 1px; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; padding-bottom: 1px; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="padding-bottom: 4px; font-size: 10pt;"> </td> <td style="padding-bottom: 4px; font-size: 10pt;"> </td> <td style="text-align: left; font-size: 10pt; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; font-size: 10pt; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">1,717</td> <td style="text-align: left; padding-bottom: 4px; font-size: 10pt;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; padding-bottom: 4px; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; padding-bottom: 4px; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; padding-bottom: 4px; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">1,717</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; padding-bottom: 4px; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; padding-bottom: 4px; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left; padding-bottom: 4px;"> </td> </tr> </table> <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">December 31,</td> <td style="text-align: center;"> </td> <td> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Quoted Prices in  Active Markets for  Identical Assets</td> <td style="text-align: center;"></td> <td> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Significant Other Observable Inputs</td> <td style="text-align: center;"> </td> <td> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Significant Unobservable  Inputs</td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">2014</td> <td style="text-align: center;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">(Level 1)</td> <td style="text-align: center;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">(Level 2)</td> <td style="text-align: center;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">(Level 3)</td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="15">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td>Assets:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-left: 0.12in;">Available-for-sale securities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 713px; text-align: left; padding-left: 0.25in;">Obligations of U.S. Government agencies</td> <td style="width: 48px;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 142px; text-align: right;">178,744</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 32px;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 141px; text-align: right;">-</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 31px;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 141px; text-align: right;">178,744</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 31px;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 141px; text-align: right;">-</td> <td style="width: 15px; text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 0.25in;">Obligations of states and political subdivisions</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">101,755</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">101,755</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="padding-left: 0.25in;">Mortgage-backed securities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 0.4in;">U.S. GSE’s MBS - residential</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">130,036</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">130,036</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 0.4in;">U.S. GSE’s CMO</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">124,461</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">124,461</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-bottom: 1px; padding-left: 0.25in;">Corporate bonds</td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">109,469</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">109,357</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">112</td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-bottom: 1px; padding-left: 0.12in;">Total available-for-sale securities</td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">644,465</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">644,353</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">112</td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 0.12in;">Loans held for sale</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">18,365</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">18,365</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 0.12in;">Mortgage banking derivatives</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">662,836</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">662,724</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">112</td> <td style="text-align: left; padding-bottom: 4px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td>Liabilities:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 0.12in;">Interest rate swap derivatives</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,959</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,959</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">1,959</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">1,959</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left; padding-bottom: 4px;"> </td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">   <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company’s policy is to recognize transfers into or out of a level as of the end of the reporting period. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">   <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Transfers between Level 1 and Level 2: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">   <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">No securities were transferred between Level 1 and Level 2 during the six months ended June 30, 2015 and the six months ended June 30, 2014. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Transfers between Level 2 and Level 3: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">During the six months ended June 30, 2015, one corporate security was transferred out of Level 3 and into Level 2 based on observable market data for this security due to increased market activity for this security. This security with a market value of $138 as of March 31, 2015 was transferred on March 31, 2015. No securities were transferred between Level 2 and Level 3 during the six months ended June 30, 2014. <div style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> </div> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following tables present a reconciliation and income statement classification of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the six months ended June 30, 2015 and 2014. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: center; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: center; font-stretch: normal;" colspan="13">Fair Value Measurements Using Significant Unobservable</td> </tr> <tr style="vertical-align: bottom;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: center; font-stretch: normal;" colspan="13">Inputs (Level 3)</td> </tr> </table> <table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td style="font: 10pt/normal 'times new roman', times, serif; padding-bottom: 1px; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; font-stretch: normal;" colspan="2">Total</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: center; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; padding-bottom: 1px; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; font-stretch: normal;" colspan="2" nowrap="nowrap">Corporate bonds</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: center; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: center; font-stretch: normal;" colspan="7">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="font: 10pt/normal 'times new roman', times, serif; width: 620px; padding-left: 0.75pt; font-stretch: normal;">Beginning balance, January 1, 2015</td> <td style="font: 10pt/normal 'times new roman', times, serif; width: 29px; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; width: 10px; text-align: left; font-stretch: normal;">$</td> <td style="font: 10pt/normal 'times new roman', times, serif; width: 113px; text-align: right; font-stretch: normal;">112</td> <td style="font: 10pt/normal 'times new roman', times, serif; width: 9px; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; width: 28px; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; width: 9px; text-align: left; font-stretch: normal;">$</td> <td style="font: 10pt/normal 'times new roman', times, serif; width: 112px; text-align: right; font-stretch: normal;">112</td> <td style="font: 10pt/normal 'times new roman', times, serif; width: 9px; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 0.75pt; font-stretch: normal;">Total gains or losses (realized/unrealized)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 12pt; font-stretch: normal;">Included in earnings</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 22pt; font-stretch: normal;">Gain (loss) on sales</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="font: 10pt/normal 'times new roman', times, serif; padding-left: 22pt; font-stretch: normal;">Other-than-temporary impairment</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 12pt; font-stretch: normal;">Included in other comprehensive income</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">26</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">26</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 0.75pt; font-stretch: normal;">Purchases, sales, issuances and settlements</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; padding-left: 12pt; font-stretch: normal;">Purchases</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 12pt; font-stretch: normal;">Sales, Calls</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; padding-left: 12pt; font-stretch: normal;">Issuances</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="font: 10pt/normal 'times new roman', times, serif; padding-left: 12pt; font-stretch: normal;">Settlements</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 12pt; font-stretch: normal;">Principal repayments</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 0.75pt; font-stretch: normal;">Transfers into Level 3</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 0.75pt; font-stretch: normal;">Transfers out of Level 3</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">(138</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;">)</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">(138</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;">)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="padding-bottom: 1px; padding-left: 0.75pt;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; padding-bottom: 4px; padding-left: 0.75pt; font-stretch: normal;">Ending balance, June 30, 2015</td> <td style="font: 10pt/normal 'times new roman', times, serif; padding-bottom: 4px; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double; font-stretch: normal;">$</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-bottom: 4px; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; padding-bottom: 4px; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double; font-stretch: normal;">$</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-bottom: 4px; font-stretch: normal;"> </td> </tr> </table> <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">  <table style="width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: center; padding-left: 0.75pt; font-stretch: normal;" colspan="9">Fair Value Measurements Using Significant Unobservable</td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: center; padding-left: 0.75pt; font-stretch: normal;" colspan="9">Inputs (Level 3)</td> </tr> </table> <table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="width: 620px; padding-left: 0.75pt;"> </td> <td style="width: 29px;"> </td> <td style="width: 10px; text-align: left;"> </td> <td style="width: 113px; text-align: right;"> </td> <td style="width: 9px; text-align: left;"> </td> <td style="width: 28px;"> </td> <td style="width: 9px; text-align: left;"> </td> <td style="width: 112px; text-align: right;"> </td> <td style="width: 9px; text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 1px; padding-left: 0.75pt;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; padding-bottom: 1px; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; font-stretch: normal;" colspan="2">Total</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-bottom: 1px; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; padding-bottom: 1px; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; font-stretch: normal;" colspan="2" nowrap="nowrap">Corporate bonds</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-bottom: 1px; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-left: 0.75pt;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: center; font-stretch: normal;" colspan="7">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-left: 0.75pt;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="font: 10pt/normal 'times new roman', times, serif; padding-left: 0.75pt; font-stretch: normal;">Beginning balance, January 1, 2014</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;">$</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">110</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;">$</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">110</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 0.75pt; font-stretch: normal;">Total gains or losses (realized/unrealized)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 12pt; font-stretch: normal;">Included in earnings</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 20pt; font-stretch: normal;">Gain (loss) on sales</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="font: 10pt/normal 'times new roman', times, serif; padding-left: 20pt; font-stretch: normal;">Other-than-temporary impairment</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 12pt; font-stretch: normal;">Included in other comprehensive income</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">1</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">1</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 0.75pt; font-stretch: normal;">Purchases, sales, issuances and settlements</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; padding-left: 12pt; font-stretch: normal;">Purchases</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 12pt; font-stretch: normal;">Sales, Calls</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; padding-left: 12pt; font-stretch: normal;">Issuances</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="font: 10pt/normal 'times new roman', times, serif; padding-left: 12pt; font-stretch: normal;">Settlements</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 12pt; font-stretch: normal;">Principal repayments</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 0.75pt; font-stretch: normal;">Transfers into Level 3</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-left: 0.75pt; font-stretch: normal;">Transfers out of Level 3</td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; font-stretch: normal;">-</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; font-stretch: normal;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="padding-bottom: 1px; padding-left: 0.75pt;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="font: 10pt/normal 'times new roman', times, serif; padding-bottom: 4px; padding-left: 0.75pt; font-stretch: normal;">Ending balance, June 30, 2014</td> <td style="font: 10pt/normal 'times new roman', times, serif; padding-bottom: 4px; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double; font-stretch: normal;">$</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double; font-stretch: normal;">111</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-bottom: 4px; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; padding-bottom: 4px; font-stretch: normal;"> </td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double; font-stretch: normal;">$</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double; font-stretch: normal;">111</td> <td style="font: 10pt/normal 'times new roman', times, serif; text-align: left; padding-bottom: 4px; font-stretch: normal;"> </td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: center; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: center; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company uses an independent third party to value its U.S. government agencies, mortgage-backed securities, and corporate bonds. Their approach uses relevant information generated by transactions that have occurred in the market place that involve similar assets, as well as using cash flow information when necessary. These inputs are observable, either directly or indirectly in the market place for similar assets. The Company considers these valuations to be Level 2 pricing. <div style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> </div> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The fair value of the Company’s municipal securities is determined by another independent third party. Their approach uses relevant information generated by transactions that have occurred in the market place that involve similar assets. These inputs are observable, either directly or indirectly in the market place for similar assets. The Company considers these valuations to be Level 2 pricing. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows (Level 3 pricing) as determined by an independent third party. The significant unobservable inputs used in the valuation model include prepayment rates, constant default rates, loss severity and yields. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">On a quarterly basis, the Company selects a random sample of investment security valuations, as determined by the independent third party, to validate pricing and level assignments. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">At June 30, 2015, there were no financial instruments measured at fair value on a recurring basis using level 3 inputs. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following table presents quantitative information about level 3 fair value measurements for financial instruments measured at fair value on a recurring basis at December 31, 2014.  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="width: 14px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="width: 328px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="width: 14px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="width: 124px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="width: 14px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="width: 248px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="width: 13px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="width: 327px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="width: 13px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="width: 452px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;">Dec. 31,</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;">Valuation</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;">Unobservable</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;">Range</td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; font-stretch: normal;">2014</td> <td> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; font-stretch: normal;" nowrap="nowrap">Technique</td> <td nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; font-stretch: normal;">Inputs</td> <td nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; font-stretch: normal;" nowrap="nowrap">(Weighted Avg)</td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="7" nowrap="nowrap">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom;"> <td style="font: 10pt/normal calibri, helvetica, sans-serif; font-stretch: normal;" colspan="2" nowrap="nowrap">Available-for-sale securities</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; font-stretch: normal;" nowrap="nowrap">Corporate bonds</td> <td nowrap="nowrap"> </td> <td style="text-align: center;" nowrap="nowrap"> 112</td> <td nowrap="nowrap"> </td> <td style="text-align: center;" nowrap="nowrap">discounted cash flow</td> <td nowrap="nowrap"> </td> <td style="text-align: center;" nowrap="nowrap">yield</td> <td nowrap="nowrap"> </td> <td style="text-align: center;" nowrap="nowrap">10.00%</td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The significant unobservable inputs used in the fair value measurement of the Company’s corporate bonds are yields that the market would require for corporate debt obligations with similar maturities and risk characteristics. <div style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> </div> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Assets and Liabilities Measured on a Non-Recurring Basis <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Assets and liabilities measured at fair value on a non-recurring basis as of June 30, 2015 and December 31, 2014 are summarized below. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="11"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">     June 30,</td> <td style="text-align: center;"> </td> <td> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Quoted Prices in  Active Markets for  Identical Assets</td> <td style="text-align: center;"></td> <td> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Significant Other  Observable Inputs</td> <td style="text-align: center;"> </td> <td> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Significant Unobservable  Inputs</td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">2015</td> <td> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">(Level 1)</td> <td> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">(Level 2)</td> <td> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">(Level 3)</td> <td> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="15">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-left: 0.75pt;">Assets:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: justify; padding-left: 0.12in;">Impaired loans (1)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 588px; text-align: justify; padding-left: 0.25in;">Commercial, financial, and agricultural</td> <td style="width: 48px;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 173px; text-align: right;">882</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 32px;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 173px; text-align: right;">-</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 31px;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 172px; text-align: right;">-</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 31px;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 172px; text-align: right;">882</td> <td style="width: 15px; text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: justify; padding-left: 0.25in;">Real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: justify; padding-left: 0.4in;">Commercial</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,119</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,119</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: justify; padding-left: 0.4in;">Residential</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,436</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,436</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: justify; padding-left: 0.4in;">Acquisition, development and construction</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,033</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,033</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: justify; padding-left: 0.25in;">Consumer installment</td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">1</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">1</td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="padding-bottom: 1px; padding-left: 0.75pt;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">5,471</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">5,471</td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: justify; padding-left: 0.12in;">Other real estate owned</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: justify; padding-left: 0.25in;">Real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: justify; padding-left: 0.4in;">Commercial</td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">144</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">144</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: justify; padding-bottom: 1px; padding-left: 0.4in;">Acquisition, development and construction</td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">360</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">360</td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 1px; padding-left: 0.75pt;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">504</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">504</td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="padding-bottom: 1px; padding-left: 0.75pt;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 4px; padding-left: 0.75pt;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,975</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,975</td> <td style="text-align: left; padding-bottom: 4px;"> </td> </tr> </table> <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">  <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">(1) Includes loans directly charged down to fair value. <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">December 31,</td> <td style="text-align: center;"> </td> <td> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Quoted Prices in  Active Markets for  Identical Assets</td> <td style="text-align: center;"></td> <td> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Significant Other  Observable Inputs</td> <td style="text-align: center;"></td> <td> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Significant Unobservable  Inputs</td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">2014</td> <td style="text-align: center;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">(Level 1)</td> <td> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">(Level 2)</td> <td> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">(Level 3)</td> <td> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td style="font: 9pt/normal calibri, helvetica, sans-serif; font-stretch: normal;"> </td> <td style="font: 9pt/normal calibri, helvetica, sans-serif; text-align: center; font-stretch: normal;" colspan="15">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-left: 0.75pt;">Assets:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: justify; padding-left: 0.12in;">Impaired loans</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 588px; text-align: justify; padding-left: 0.25in;">Commercial, financial, and agricultural</td> <td style="width: 48px;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 173px; text-align: right;">2,582</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 32px;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 173px; text-align: right;">-</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 31px;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 172px; text-align: right;">-</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 31px;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 172px; text-align: right;">2,582</td> <td style="width: 15px; text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: justify; padding-left: 0.25in;">Real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: justify; padding-left: 0.4in;">Commercial</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,166</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,166</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: justify; padding-left: 0.4in;">Residential</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,421</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,421</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: justify; padding-left: 0.4in;">Acquisition, development and construction</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,352</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,352</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: justify; padding-left: 0.25in;">Consumer installment</td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2</td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="padding-bottom: 1px; padding-left: 0.75pt;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">11,523</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">11,523</td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: justify; padding-left: 0.12in;">Other real estate owned</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: justify; padding-left: 0.25in;">Real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: justify; padding-left: 0.4in;">Commercial</td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">144</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">144</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: justify; padding-bottom: 1px; padding-left: 0.4in;">Acquisition, development and construction</td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">435</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">435</td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 1px; padding-left: 0.75pt;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">579</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">579</td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="padding-bottom: 1px; padding-left: 0.75pt;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> <td style="padding-bottom: 1px;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 4px; padding-left: 0.75pt;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">12,102</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">12,102</td> <td style="text-align: left; padding-bottom: 4px;"> </td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following represents impairment charges recognized during the period: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Impaired loans, which are measured for impairment using the fair value of collateral for collateral dependent loans, had a recorded investment of $5,471, resulting in an additional provision for loan losses of $750 and $1,135 for the three and six months ended June 30, 2015. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">As of December 31, 2014, impaired loans had a recorded investment of $11,730, with a valuation allowance of $207, resulting in an additional provision for loan losses of $2,038 for the year ending 2014. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Other real estate owned was $504 which consisted of the outstanding balance of $807, less a valuation allowance of $303. There were no write downs for the six months ended June 30, 2015. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">As of December 31, 2014, other real estate owned was $579 which consisted of the outstanding balance of $896, less a valuation allowance of $317, resulting in a write down of $266 for the year ending 2014. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following tables present quantitative information about level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at June 30, 2015 and December 31, 2014. <table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr> <td style="width: 547px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 14px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 140px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 14px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 233px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;" nowrap="nowrap"> </td> <td style="width: 13px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 233px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 13px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 342px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;">June 30,</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;">Valuation</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;">Unobservable</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;">Range</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; font-stretch: normal;">2015</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; font-stretch: normal;" nowrap="nowrap">Techniques</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; font-stretch: normal;">Inputs</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; font-stretch: normal;" nowrap="nowrap">(Weighted Avg)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" colspan="7" nowrap="nowrap">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom;"> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">Impaired loans</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.12in; font-stretch: normal;">Commercial, financial and agricultural</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: right; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap"> 882</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">sales comparison</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">0.00% - 30.00% (15.00%)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap"> income approach</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">capitalization rate</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">10.82%</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">liquidation value</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: justify; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.12in; vertical-align: top; font-stretch: normal;">Real estate:</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: justify; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.25in; vertical-align: top; font-stretch: normal;"> Commercial</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: right; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> 1,119</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">sales comparison</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">0.00% - 70.99% (20.73%)</td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> income approach</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">capitalization rate</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">8.25% - 9.29% (8.84%)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: justify; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.25in; vertical-align: top; font-stretch: normal;"> Residential</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: right; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> 1,436</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">sales comparison</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">0.00% - 37.00% (8.71%)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">liquidation value</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.25in; vertical-align: top; font-stretch: normal;"> Acquisition, development and</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: justify; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.36in; vertical-align: top; font-stretch: normal;"> construction</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: right; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> 2,033</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">sales comparison</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">0.00% - 161.40% (33.97%)</td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: justify; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.12in; font-stretch: normal;">Consumer installment</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: right; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap"> 1</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">liquidation value</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">Other real estate owned</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: justify; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.12in; vertical-align: top; font-stretch: normal;">Real estate:</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.25in; vertical-align: top; font-stretch: normal;"> Commercial</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: right; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> 144</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> sales comparison</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">0.00% - 25.00% (12.50%)</td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.25in; vertical-align: top; font-stretch: normal;"> Acquisition, development and</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: justify; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.36in; vertical-align: top; font-stretch: normal;"> construction</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: right; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> 360</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> sales comparison</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">10.00% - 42.00% (26.00%)</td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr> <td style="width: 553px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 13px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 124px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 13px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 236px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;" nowrap="nowrap"> </td> <td style="width: 13px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 236px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 13px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 348px; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;">Dec. 31,</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;">Valuation</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;">Unobservable</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;">Range</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; font-stretch: normal;">2014</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; font-stretch: normal;" nowrap="nowrap">Techniques</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; font-stretch: normal;">Inputs</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid; font-stretch: normal;" nowrap="nowrap">(Weighted Avg)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" colspan="7" nowrap="nowrap">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom;"> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">Impaired loans</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.12in; font-stretch: normal;">Commercial, financial and agricultural</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: right; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap"> 2,582</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">sales comparison</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">7.00% - 50.00% (28.50%)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap"> income approach</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">capitalization rate</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">9.39%</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">liquidation value</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: justify; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.12in; vertical-align: top; font-stretch: normal;">Real estate:</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: justify; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.25in; vertical-align: top; font-stretch: normal;"> Commercial</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: right; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> 2,166</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">sales comparison</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">0.00% - 70.99% (19.92%)</td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> income approach</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">capitalization rate</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">8.25% - 10.00% (8.97%)</td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">liquidation value</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: justify; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.25in; vertical-align: top; font-stretch: normal;"> Residential</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: right; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> 1,421</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">sales comparison</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">1.30% - 24.46% (7.24%)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.25in; vertical-align: top; font-stretch: normal;"> Acquisition, development and</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: justify; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.36in; vertical-align: top; font-stretch: normal;"> construction</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: right; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> 5,352</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">sales comparison</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">0.00% - 161.40% (28.55%)</td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> income approach</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">discount rate</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">9.50% - 10.00% (9.69%)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: justify; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.25in; font-stretch: normal;">Consumer installment</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: right; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap"> 2</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">liquidation value</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">Other real estate owned</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: justify; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.12in; vertical-align: top; font-stretch: normal;">Real estate:</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.25in; vertical-align: top; font-stretch: normal;"> Commercial</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: right; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> 144</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> sales comparison</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">0.00% - 25.00% (12.50%)</td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; font-stretch: normal;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.25in; vertical-align: top; font-stretch: normal;"> Acquisition, development and</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: justify; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.36in; vertical-align: top; font-stretch: normal;"> construction</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: right; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> 435</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap"> sales comparison</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; text-align: center; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">5.00% - 60.00% (27.12%)</td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: top;"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="font: 10pt/normal calibri, helvetica, sans-serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom; font-stretch: normal;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practicable to estimate that value is required. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Because no market exists for a portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates. <div style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> </div> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The assumptions used in the estimation of the fair value of the Company’s financial instruments are explained below. Where quoted market prices are not available, fair values are based on estimates using discounted cash flow and other valuation techniques. Discounted cash flows can be significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. The following fair value estimates cannot be substantiated by comparison to independent markets and should not be considered representative of the liquidation value of the Company’s financial instruments, but rather a good-faith estimate of the fair value of financial instruments held by the Company. Certain financial instruments and all nonfinancial instruments are excluded from disclosure requirements. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following methods and assumptions, not previously presented, were used by the Company in estimating the fair value of its financial instruments: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: italic bold 12pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 63px;"></td> <td style="width: 63px;">(a)</td> <td style="width: 1441px;">Cash and Cash Equivalents</td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td>Fair value equals the carrying value of such assets due to their nature and is classified as Level 1.</td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <table style="font: italic bold 12pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 63px;"></td> <td style="width: 63px;">(b)</td> <td style="width: 1441px;">Loans, net</td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td>The fair value of loans is calculated using discounted cash flows by loan type resulting in a Level 3 classification. The discount rate used to determine the present value of the loan portfolio is an estimated market rate that reflects the credit and interest rate risk inherent in the loan portfolio without considering widening credit spreads due to market illiquidity. The estimated maturity is based on the Company&rsquo;s historical experience with repayments adjusted to estimate the effect of current market conditions. The carrying amount of related accrued interest receivable, due to its short-term nature, approximates its fair value, is not significant and is not disclosed. The fair value of loans held for sale is estimated based upon binding contracts and quotes from third party investors resulting in a Level 2 classification. The allowance for loan losses is considered a reasonable discount for credit risk. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price.</td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: italic bold 12pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 63px;"></td> <td style="width: 63px;">(c)</td> <td style="width: 1441px;">Restricted Equity Securities</td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td>The fair value of Federal Home Loan Bank (“FHLB”) stock was not practicable to determine due to restrictions placed on its transferability.</td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: italic bold 12pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 63px;"></td> <td style="width: 63px;">(d)</td> <td style="width: 1441px;">Accrued Interest Receivable</td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td>The carrying amount of accrued interest approximates its fair value. Interest related to loans is classified as Level 3 while interest related to securities and loans held for sale is classified as Level 2.</td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px 0pt 0.75in; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px 0pt 0.75in; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <table style="font: italic bold 12pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 63px;"></td> <td style="width: 63px;">(e)</td> <td style="width: 1441px;">Deposits</td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td>Fair values for certificates of deposit have been determined using discounted cash flows. The discount rate used is based on estimated market rates for deposits of similar remaining maturities and are classified as Level 2. The carrying amounts of all other deposits, due to their short-term nature, approximate their fair values and are classified as Level 1. The carrying amount of related accrued interest payable, due to its short-term nature, approximates its fair value, is not significant and is not disclosed.</td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">   <table style="font: italic bold 12pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 63px;"></td> <td style="width: 63px;">(f)</td> <td style="width: 1441px;">Securities Sold Under Repurchase Agreements</td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td>Fair value approximates the carrying value of such liabilities due to their short-term nature and is classified as Level 1.</td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <table style="font: italic bold 12pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 63px;"></td> <td style="width: 63px;">(g)</td> <td style="width: 1441px;">Advances from FHLB</td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td>The fair value of the FHLB advances is obtained from the FHLB and is calculated by discounting contractual cash flows using an estimated interest rate based on the current rates available to the Company for debt of similar remaining maturities and collateral terms resulting in a Level 2 classification.</td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <table style="font: italic bold 12pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 63px;"></td> <td style="width: 63px;">(h)</td> <td style="width: 1441px;">Subordinated debentures</td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td>The fair value for subordinated debentures is calculated using discounted cash flows based upon current market spreads to LIBOR for debt of similar remaining maturities and collateral terms resulting in a Level 3 classification.</td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: italic bold 12pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 63px;"></td> <td style="width: 63px;">(i)</td> <td style="width: 1441px;">Commitments</td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: top;"> <td> </td> <td> </td> <td>The difference between the carrying values and fair values of commitments to extend credit are not significant and are not disclosed.</td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The carrying amounts and estimated fair values of the Company’s financial instruments at June 30, 2015 and December 31, 2014, not previously presented, are as follows: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">   <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; background-color: white; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="18">June 30, 2015</td> <td style="text-align: center; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; padding-bottom: 1px;" colspan="14"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center;" colspan="2">Carrying</td> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="14">Fair Value Measurements</td> <td style="text-align: center; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">amount</td> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Total</td> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Level 1</td> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Level 2</td> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Level 3</td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding: 0px; text-align: center; text-indent: 0px;"> </td> <td style="padding: 0px; text-align: center; text-indent: 0px;"> </td> <td style="padding: 0px; text-align: center;" colspan="18">(Dollars in thousands)</td> <td style="padding: 0px; text-align: center; text-indent: 0px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.95pt;">Financial assets:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 613.67px; text-align: left; padding-left: 10pt;">Cash and cash equivalents</td> <td style="width: 32px;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 126px; text-align: right;">78,143</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 32px;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">78,143</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 32px;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 125px; text-align: right;">78,143</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 31px;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 125px; text-align: right;">-</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 31px;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 125px; text-align: right;">-</td> <td style="width: 15px; text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Loans, net</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">913,694</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">914,721</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">914,721</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 10pt;">Restricted equity securities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,936</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> N/A</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Accrued interest receivable</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,982</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,982</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,474</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,508</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 0.95pt;">Financial liabilities:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Deposits with stated maturities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">361,777</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">364,391</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">364,391</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 10pt;">Deposits without stated maturities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,172,558</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,172,558</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,172,558</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Securities sold under repurchase agreements</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">649</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">649</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">649</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 10pt;">Advances from FHLB</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">56,000</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">58,351</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">58,351</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Subordinated debentures</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">20,000</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14,974</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14,974</td> <td style="text-align: left;"> </td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: center; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: center; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="18">December 31, 2014</td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;" colspan="2"> </td> <td style="text-align: center; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;" colspan="14"> </td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;" colspan="2">Carrying</td> <td style="text-align: center; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="14">Fair Value Measurements</td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;"> </td> <td style="text-align: center; font-weight: bold; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">amount</td> <td style="text-align: center; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;"> </td> <td style="text-align: center; font-weight: bold; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Total</td> <td style="text-align: center; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Level 1</td> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Level 2</td> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Level 3</td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="18">(Dollars in thousands)</td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.95pt;">Financial assets:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 613.67px; text-align: left; padding-left: 10pt;">Cash and cash equivalents</td> <td style="width: 32px;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 126px; text-align: right;">35,995</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 32px;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">35,995</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 32px;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 125px; text-align: right;">35,995</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 31px;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 125px; text-align: right;">-</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 31px;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 125px; text-align: right;">-</td> <td style="width: 15px; text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Loans, net</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">929,327</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">925,997</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">925,997</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 10pt;">Restricted equity securities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,398</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> N/A</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Accrued interest receivable</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,898</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,898</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,140</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,758</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 0.95pt;">Financial liabilities:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Deposits with stated maturities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">375,808</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">376,607</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">376,607</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 10pt;">Deposits without stated maturities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,088,056</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,088,056</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,088,056</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Securities sold under repurchase agreements</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">10,678</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">10,678</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">10,678</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 10pt;">Advances from FHLB</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">64,000</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">67,551</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">67,551</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Subordinated debentures</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">20,000</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14,886</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14,886</td> <td style="text-align: left;"> </td> </tr> </table>

<p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: red; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Note 7 – Other Comprehensive Income (Loss) <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Other comprehensive income (loss) for the Company consists of changes in net unrealized gains and losses on investment securities available-for-sale and interest rate swap derivatives. The following tables present a summary of the accumulated other comprehensive income balances, net of tax, as of June 30, 2015 and 2014.  <table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; font-size: 10pt; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="width: 627px;"> </td> <td style="width: 13px;"> </td> <td style="width: 13px;" nowrap="nowrap"> </td> <td style="width: 151px;" nowrap="nowrap"> </td> <td style="width: 13px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 26px;"> </td> <td style="width: 12px;" nowrap="nowrap"> </td> <td style="width: 150px;" nowrap="nowrap"> </td> <td style="width: 12px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 25px;"> </td> <td style="width: 12px;" nowrap="nowrap"> </td> <td style="width: 187px;" nowrap="nowrap"> </td> <td style="width: 12px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap"> Unrealized Gain (Loss) on  Derivatives </td> <td nowrap="nowrap"> </td> <td style="padding-bottom: 2px;"> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap"> Unrealized Gain (Loss) on Securities </td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap"> </td> <td style="padding-bottom: 2px;"> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap"> Accumulated Other Comprehensive Income (Loss) </td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="10" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="10" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Balance, December 31, 2014</td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">(1,197</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">1,268</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">71</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-bottom: 2px;">Current Year change</td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">148</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap"> </td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(1,605</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(1,457</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-bottom: 4px;">Balance, June 30, 2015</td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">(1,049</td> <td style="text-align: left; padding-bottom: 4px;" nowrap="nowrap">)</td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">(337</td> <td style="text-align: left; padding-bottom: 4px;" nowrap="nowrap">)</td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">(1,386</td> <td style="text-align: left; padding-bottom: 4px;" nowrap="nowrap">)</td> </tr> </table> <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <div> <table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; font-size: 10pt; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="width: 13px;">  </td> <td style="width: 13px;" nowrap="nowrap"> </td> <td style="width: 151px;" nowrap="nowrap"> </td> <td style="width: 13px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 26px;"> </td> <td style="width: 12px;" nowrap="nowrap"> </td> <td style="width: 150px;" nowrap="nowrap"> </td> <td style="width: 12px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 25px;"> </td> <td style="width: 12px;" nowrap="nowrap"> </td> <td style="width: 187px;" nowrap="nowrap"> </td> <td style="width: 12px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">   Unrealized Gain (Loss) on Derivatives </td> <td nowrap="nowrap"> </td> <td style="padding-bottom: 2px;"> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap"> Unrealized Gain (Loss) on Securities </td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap"> </td> <td style="padding-bottom: 2px;"> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap"> Accumulated Other Comprehensive Income (Loss) </td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="10" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="10" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Balance, December 31, 2013</td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">(469</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">(9,632</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">(10,101</td> <td style="text-align: left;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-bottom: 2px;">Current Year change</td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(393</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">9,178</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap"> </td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">8,785</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-bottom: 4px;">Balance, June 30, 2014</td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">(862</td> <td style="text-align: left; padding-bottom: 4px;" nowrap="nowrap">)</td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">(454</td> <td style="text-align: left; padding-bottom: 4px;" nowrap="nowrap">)</td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">(1,316</td> <td style="text-align: left; padding-bottom: 4px;" nowrap="nowrap">)</td> </tr> </table> <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following tables present reclassifications out of accumulated other comprehensive income (loss). <table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; font-size: 10pt; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;"> </td> <td> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6">Three Months Ended June 30,</td> <td style="text-align: left; padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">2015</td> <td style="text-align: left; padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">2014</td> <td style="text-align: left; padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> Details about Accumulated  Other Comprehensive Income Components </td> <td style="padding-bottom: 2px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap"> Amount reclassified from Accumulated Other Comprehensive Income </td> <td> </td> <td style="padding-bottom: 2px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap"> Amount reclassified from Accumulated Other Comprehensive Income </td> <td style="text-align: center; text-indent: 0pt;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">Affected line item in the Statement  where Net Income is presented</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;" colspan="10">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; text-indent: 0pt;">Unrealized gains and losses on available-for-sale securities</td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;"> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 596px;"> </td> <td style="width: 32px; text-align: right;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 204px; text-align: right;">(897</td> <td style="width: 16px; text-align: left;">)</td> <td style="width: 16px; text-align: right;"> </td> <td style="width: 15px; text-align: left;">$</td> <td style="width: 203px; text-align: right;">26</td> <td style="width: 31px; text-align: left;"> </td> <td style="width: 438px; text-align: left; text-indent: 0pt;">Investment securities gains (losses), net</td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 2px;"> </td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">291</td> <td style="text-align: left; padding-bottom: 2px;"> </td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(8</td> <td style="text-align: left; padding-bottom: 2px;">)</td> <td style="text-align: left; text-indent: 0pt; padding-bottom: 2px;">Tax benefit (expense)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="padding-bottom: 4px;"> </td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">(606</td> <td style="text-align: left; padding-bottom: 4px;">)</td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">18</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="text-align: left; text-indent: 0pt; padding-bottom: 4px;">Net of tax</td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6">Six Months Ended June 30,</td> <td style="text-align: left; padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2"> 2015</td> <td style="text-align: left; padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2"> 2014</td> <td style="text-align: left; padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">Details about Accumulated Other Comprehensive Income Components</td> <td style="padding-bottom: 2px;"> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2"> Amount reclassified from Accumulated Other Comprehensive Income </td> <td> </td> <td style="padding-bottom: 2px;"> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap"> Amount reclassified from Accumulated Other Comprehensive Income </td> <td> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> Affected line item in the Statement where Net Income is presented </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center; text-indent: 0pt;" colspan="10">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; text-indent: 0pt;">Unrealized gains and losses on available-for-sale securities</td> <td> </td> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td> </td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">(840</td> <td style="text-align: left;">)</td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">277</td> <td style="text-align: left;"> </td> <td style="text-align: left; text-indent: 0pt;">Investment securities gains (losses), net</td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 2px;"> </td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">271</td> <td style="text-align: left; padding-bottom: 2px;"> </td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(86</td> <td style="text-align: left; padding-bottom: 2px;">)</td> <td style="text-align: left; text-indent: 0pt; padding-bottom: 2px;">Tax benefit (expense)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="padding-bottom: 4px;"> </td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">(569</td> <td style="text-align: left; padding-bottom: 4px;">)</td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">191</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="text-align: left; text-indent: 0pt; padding-bottom: 4px;">Net of tax</td> </tr> </table> <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: left; color: red; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  </div> <div> <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Note 8 – Dividends <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 127.35pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">On January 14, 2015, the Company declared a quarterly cash dividend of $0.15 per share on outstanding shares. The dividend was paid on February 13, 2015 to shareholders of record as of January 30, 2015. <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 127.35pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">On April 22, 2015, the Company declared a quarterly cash dividend of $0.15 per share on outstanding shares. The dividend was paid on May 22, 2015 to shareholders of record as of May 8, 2015. <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 127.35pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">On July 22, 2015, the Company declared a quarterly cash dividend of $0.15 per share on outstanding shares. The dividend is payable on August 21, 2015 to shareholders of record as of August 7, 2015. </div> <div> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">(a) Nature of Operations and Principles of Consolidation <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The accompanying consolidated financial statements include the accounts of Southeastern Bank Financial Corporation and its wholly-owned subsidiary, Georgia Bank & Trust Company of Augusta, Georgia, together referred to as “the Company.” Significant intercompany transactions and accounts are eliminated in consolidation. Dollar amounts are rounded to thousands except share and per share data. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company provides financial services through its offices in Richmond and Columbia Counties, Georgia, and Aiken County, South Carolina. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate. Commercial loans are expected to be repaid from cash flow from operations of businesses. The Company has a significant concentration of loans with real estate developers. The ability of these customers to repay their loans is dependent on the real estate and general economic conditions in the area. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The financial statements for the three and six months ended June 30, 2015 and 2014 are unaudited and have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission. Certain information and footnote disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted pursuant to such rules and regulations. These consolidated financial statements should be read in conjunction with the audited consolidated financial statements and footnotes included in the Company’s annual report on Form 10-K for the year ended December 31, 2014. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">In the opinion of management, all adjustments necessary to present fairly the financial position and the results of operations and cash flows for the interim periods have been made. All such adjustments are of a normal recurring nature. The results of operations for the three and six months ended June 30, 2015 are not necessarily indicative of the results of operations which the Company may achieve for the entire year. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Some items in the prior period financial statements were reclassified to conform to the current presentation. </div>

<p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">(b) Loans and Allowance for Loan Losses <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of deferred loan fees and costs, and an allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Non-Accrual Loan Procedures: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Interest income on loans of all segments and classes are generally discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Consumer loans are typically charged off no later than 120 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. A loan is moved to non-accrual status in accordance with the Company’s policy, typically after 90 days of non-payment as measured from the loan’s contractual due date. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">All interest, accrued but not received, for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Subsequent payments of interest are recognized on the cash basis as income when full collection of principal is expected. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured and there is a period of at least 6 months of repayment performance (1 year for loans providing for quarterly or semi-annual payments) by the borrower in accordance with contractual terms. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Concentration of Credit Risk: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Most of the Company’s business activity is with customers located within the Augusta-Richmond County, GA-SC metropolitan statistical area, part of the Central Savannah River Area (“CSRA”). Therefore, the Company’s exposure to credit risk is significantly affected by changes in the economy in this area. The Company also has a significant concentration of loans with real estate developers. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Allowance for Loan Losses: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The allowance for loan losses (ALLL) is a valuation allowance for probable incurred credit losses. The allowance for loan losses is established through a provision for loan losses charged to expense. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Impaired Loans and Troubled Debt Restructurings: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due (both principal and interest) according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">All lending relationships over $500 are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosures. Troubled debt restructurings are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following portfolio segments have been identified: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px 0px 0px 27pt; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.25in;"></td> <td style="width: 0.25in;">•</td> <td style="text-align: justify;">Acquisition Development and Construction (“ADC”) – CSRA</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.25in;"></td> <td style="width: 0.25in;">•</td> <td style="text-align: justify;">ADC – Other</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.25in;"></td> <td style="width: 0.25in;">•</td> <td style="text-align: justify;">Commercial Real Estate – Non owner occupied</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.25in;"></td> <td style="width: 0.25in;">•</td> <td style="text-align: justify;">Commercial Real Estate – Owner occupied</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.25in;"></td> <td style="width: 0.25in;">•</td> <td style="text-align: justify;">1-4 Family</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.25in;"></td> <td style="width: 0.25in;">•</td> <td style="text-align: justify;">Consumer</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.25in;"></td> <td style="width: 0.25in;">•</td> <td style="text-align: justify;">Other – Commercial, Financial and Agricultural</td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following is a discussion of the risk characteristics of these portfolio segments. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Acquisition, Development & Construction (ADC) – CSRA (Primary Market) – ADC lending carries all of the normal risks involved in lending including the changing nature of borrower and guarantor financial conditions and the knowledge that the sale of the completed lots and/or structures is likely the sole source of repayment as opposed to other forms of borrower cash flow. In addition, this type of lending carries several additional risk factors including: (1) timely project completion (contractor financial condition, commodity prices, weather delays, prospective tenant financial condition); (2) market factors (changing economic conditions, unemployment rates, end-user financing availability, interest rates); (3) competition (similar product availability, bank foreclosed properties); and (4) end-product price stability. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">ADC – Other – ADC lending in all other markets carries all of the ADC risks outlined for the CSRA plus the additional risk of lending outside of the Company’s traditional market area where our knowledge of these markets may not be as well developed. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Commercial Real Estate – Non Owner Occupied – This lending category includes loans for office, warehouse, retail, hotel/motel and other non-owner occupied properties. Loans in this category carry more risk than owner-occupied properties because the property’s cash flow is not derived from the owner of the property’s business, but from unrelated tenants. These outside tenants are each subject to their own set of business risks depending upon their own financial situation, competitors, industry segment and general economic conditions. Therefore, the cash flow from the property in the form of rent may not be as stable as a one-user, owner-occupied property. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Commercial Real Estate – Owner Occupied – This portfolio segment includes loans to finance office buildings, retail establishments, warehouses, convenience stores, churches, schools, daycare facilities, restaurants, health care facilities, golf courses and other owner-occupied properties. Loans in this category generally carry less risk than non-owner occupied properties because the cash flow to service the property’s debt is derived from the owner of the property’s business as opposed to unrelated third-party tenants. The cash flows and property values for one-user, owner-occupied properties tend to be more stable because they are based upon the operation of the owner’s business as opposed to rent from a variety of smaller tenants (each of which carries its own set of business and market risks). <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">1-4 Family – This lending category includes loans secured by improved residential real estate. Loans in this category are affected by local real estate markets, local & national economic factors affecting borrowers’ employment prospects & income levels, and levels & movement of interest rates and the general availability of mortgage financing. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Consumer – This portfolio segment includes loans secured by consumer goods (e.g. vehicles, recreational products, equipment, etc.), but also may be unsecured. Similar to the 1-4 family category, this segment of the loan portfolio depends on a variety of local & national economic factors affecting borrowers’ employment prospects, income levels and overall economic sentiment. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Commercial, Financial and Agricultural – This portfolio segment includes loans for a wide variety of business purposes. This segment also includes home equity lines of credit, loans secured by multi-family properties and loans to government entities. Loans in this category are affected by changes in national, regional and local economic factors that affect the businesses that operate in our market. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: red; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans that become uncollectible, based on evaluations of the collectability of loans. The evaluations take into consideration such factors as changes in the nature and volume of the loan portfolio, historical loss rates, overall portfolio quality, review of specific problem loans, and current economic conditions and trends that may affect a borrower’s ability to pay. The allowance is evaluated on a regular basis utilizing estimated loss factors for specific types of loans. Such loss factors are periodically reviewed and adjusted as necessary based on actual losses. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may advise the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The process of assessing the adequacy of the allowance is necessarily subjective. Further, and particularly in terms of economic downturns, it is reasonably possible that future credit losses may exceed historical loss levels and may also exceed management’s current estimates of probable incurred credit losses inherent within the loan portfolio. As such, there can be no assurance that future loan charge-offs will not exceed management’s current estimate of the allowance for loan losses. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">ALLL Methodology: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company’s approach to ALLL reserve calculation uses two distinct perspectives, the guidelines of using Financial Accounting Standards ASC 450 (Accounting for Contingencies) and ASC 310 (Accounting by Creditors for Impairment of a Loan, for individual loans). The process is generally as follows and methodology applies to all classes of loans within the portfolio segments: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.25in;"></td> <td style="width: 0.25in;">•</td> <td style="text-align: justify;">Loans are grouped in categories of similar risk characteristics (portfolio segments).</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.25in;"></td> <td style="width: 0.25in;">•</td> <td style="text-align: justify;">For each loan category, a four year average rolling historical net loss rate is calculated, with the loss rate more heavily weighted to the most recent two years loss history. The historical loss ratios are adjusted for internal and external qualitative factors within each loan category. The qualitative factor adjustment may be further increased for loan classifications of watch rated and substandard within each category. Factors include:</td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px 0px 0px 0.5in; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○ </td> <td style="text-align: justify;">levels and trends in delinquencies and impaired/classified/graded loans;</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○ </td> <td style="text-align: justify;">changes in the quality of the loan review system;</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○ </td> <td style="text-align: justify;">trends in volume and terms of loans;</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○ </td> <td style="text-align: justify;">effects of changes in risk selection and underwriting standards, and other changes in lending policies, procedures and practices;</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○ </td> <td style="text-align: justify;">experience, ability, and depth of lending management and other relevant staff;</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○ </td> <td style="text-align: justify;">national and local economic trends and conditions;</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○ </td> <td style="text-align: justify;">changes in the value of underlying collateral;</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○ </td> <td style="text-align: justify;">other external factors-competition, legal and regulatory requirements; and</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.5in;"></td> <td style="width: 0.25in;"> ○ </td> <td style="text-align: justify;">effects of changes in credit concentrations.</td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px 0px 0px 0.75in; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.25in;"></td> <td style="width: 0.25in;">•</td> <td style="text-align: justify;">The resultant loss factor is applied to each respective loan pool to calculate the ALLL for each loan pool.</td> </tr> </table> <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-bottom: 0px; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.25in;"></td> <td style="width: 0.25in;">•</td> <td style="text-align: justify;">The total of each loan pool is then added to the ALLL determined for individual loans evaluated for impairment in accordance with ASC 310.</td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px 0px 0px 0.5in; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">There have been no changes to the methodology during 2015 and 2014. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Loans Held for Sale: <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Mortgage loans held for sale are generally sold with servicing rights released. The Company originates mortgages to be held for sale only for loans that have been individually pre-approved by the investor. Mortgage loans originated and intended for sale in the secondary market are carried at fair value, as determined by outstanding commitments from investors. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company bears minimal interest rate risk on these loans and only holds the loans temporarily until documentation can be completed to finalize the sale to the investor. <p style="font: 11pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as free standing derivatives. Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked. The Company enters into forward commitments for the future delivery of mortgage loans when interest rate locks are entered into, in order to hedge the change in interest rates resulting from its commitments to fund the loans. Changes in the fair values of these derivatives are included in net gains on sales of loans. Fair values of these derivatives were $50 and $6 as of June 30, 2015 and December 31, 2014, respectively.

<div> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">(c) Derivatives <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">At the inception of a derivative contract, the Company designates the derivative as one of three types based on the Company’s intentions and belief as to likely effectiveness as a hedge.  These three types are (1) a hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (“fair value hedge”), (2) a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to a recognized asset or liability (“cash flow hedge”), or (3) an instrument with no hedging designation (“stand-alone derivative”).  For a fair value hedge, the gain or loss on the derivative, as well as the offsetting loss or gain on the hedged item, are recognized in current earnings as fair values change. For a cash flow hedge, the gain or loss on the derivative is reported in other comprehensive income and is reclassified into earnings in the same periods during which the hedged transaction affects earnings.  For both types of hedges, changes in the fair value of derivatives that are not highly effective in hedging the changes in fair value or expected cash flows of the hedged item are recognized immediately in current earnings. Changes in the fair value of derivatives that do not qualify for hedge accounting are reported currently in earnings, as noninterest income.  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest income or interest expense, based on the item being hedged.  Net cash settlements on derivatives that do not qualify for hedge accounting are reported in noninterest income. Cash flows on hedges are classified in the cash flow statement the same as the cash flows of the items being hedged. <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company formally documents the relationship between derivatives and hedged items, as well as the risk-management objective and the strategy for undertaking hedge transactions at the inception of the hedging relationship.  This documentation includes linking fair value or cash flow hedges to specific assets and liabilities on the balance sheet or to specific firm commitments or forecasted transactions.  The Company also formally assesses, both at the hedge’s inception and on an ongoing basis, whether the derivative instruments that are used are highly effective in offsetting changes in fair values or cash flows of the hedged items. The Company discontinues hedge accounting when it determines that the derivative is no longer effective in offsetting changes in the fair value or cash flows of the hedged item, the derivative is settled or terminates, a hedged forecasted transaction is no longer probable, a hedged firm commitment is no longer firm, or treatment of the derivative as a hedge is no longer appropriate or intended. <div style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> </div> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">When hedge accounting is discontinued, subsequent changes in fair value of the derivative are recorded as noninterest income.  When a fair value hedge is discontinued, the hedged asset or liability is no longer adjusted for changes in fair value and the existing basis adjustment is amortized or accreted over the remaining life of the asset or liability. When a cash flow hedge is discontinued but the hedged cash flows or forecasted transactions are still expected to occur, gains or losses that were accumulated in other comprehensive income are amortized into earnings over the same periods which the hedged transactions will affect earnings. </div>

<table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="6">Three Months Ended</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="6">Six Months Ended</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6">June 30,</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6">June 30,</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">2015</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">2014</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">2015</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">2014</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="6">(Dollars in thousands)</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="6">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 483px; text-align: left; text-indent: 0pt;">Proceeds</td> <td style="width: 11px; text-align: left;"> </td> <td style="width: 11px; text-align: left;">$</td> <td style="width: 121px; text-align: right;">53,848</td> <td style="width: 11px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 11px; text-align: left;"> </td> <td style="width: 11px; text-align: left;">$</td> <td style="width: 121px; text-align: right;">34,609</td> <td style="width: 11px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 11px; text-align: left;"> </td> <td style="width: 11px; text-align: left;">$</td> <td style="width: 121px; text-align: right;">77,148</td> <td style="width: 11px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 11px; text-align: left;"> </td> <td style="width: 10px; text-align: left;">$</td> <td style="width: 120px; text-align: right;">77,968</td> <td style="width: 10px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Gross Gains</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">111</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">438</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">219</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">910</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Gross Losses</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1,008</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(412</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1,059</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(633</td> <td style="text-align: left;" nowrap="nowrap">)</td> </tr> </table>

<table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6">June 30, 2015</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Amortized</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Estimated</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">cost</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">fair value</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="6">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: 0pt;">Available-for-sale:</td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 690px; text-align: left; text-indent: 0pt; padding-left: 0.125in;">One year or less</td> <td style="width: 11px; text-align: left;"> </td> <td style="width: 11px; text-align: left;">$</td> <td style="width: 165px; text-align: right;">4,759</td> <td style="width: 11px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 11px; text-align: left;"> </td> <td style="width: 11px; text-align: left;"> </td> <td style="width: 164px; text-align: right;">4,804</td> <td style="width: 10px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">After one year through five years</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">98,801</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">99,797</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">After five years through ten years</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">186,480</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">185,105</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">After ten years</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">387,573</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">387,357</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">677,613</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">677,063</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table>

<table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="30">Three Months Ended June 30, 2015</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Commercial,</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Financial, and</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">CRE - Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">CRE - Non Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Residential</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Agricultural</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Real Estate</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">CSRA</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Other</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Consumer</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="30">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: 0pt;">Allowance for loan losses:</td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 239px; text-align: left; text-indent: 0pt; padding-left: 0.125in;">Beginning balance</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 126px; text-align: right;">5,295</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">5,373</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">3,838</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">6,355</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 110px; text-align: right;">1,631</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">2,197</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">702</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">25,391</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Charge-offs</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(517</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(74</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(245</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(250</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(20</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(132</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1,238</td> <td style="text-align: left;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Recoveries</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">187</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,666</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">54</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,909</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Provision</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(538</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">141</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">225</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">424</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(2,922</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(23</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(2,690</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">Ending balance</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">4,427</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,441</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">3,841</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">6,336</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">1,805</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">921</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">601</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">23,372</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="30">Three Months Ended June 30, 2014</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Commercial,</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Financial, and</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">CRE - Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">CRE - Non Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Residential</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Agricultural</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Real Estate</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">CSRA</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Other</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Consumer</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="30">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Allowance for loan losses:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">Beginning balance</td> <td style="text-align: left;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">5,570</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,036</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,073</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,503</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,757</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,789</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">572</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">26,300</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Charge-offs</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(240</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(18</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(84</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(55</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(129</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(526</td> <td style="text-align: left;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Recoveries</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">15</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">19</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">60</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">98</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Provision</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">229</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">111</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">404</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">210</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(191</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">163</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">85</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">1,011</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">Ending balance</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,574</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">6,133</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">3,477</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,648</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">2,511</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">2,952</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">588</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">26,883</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 13.33px/normal 'times new roman', times, serif; text-align: center; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">   <table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td></td> <td style="text-align: center;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="30">Six Months Ended June 30, 2015</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Commercial,</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Financial, and</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">CRE - Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">CRE - Non Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Residential</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Agricultural</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Real Estate</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">CSRA</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Other</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Consumer</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="30">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: 0pt;" nowrap="nowrap">Allowance for loan losses:</td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 239px; text-align: left; text-indent: 0pt; padding-left: 0.125in;">Beginning balance</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 126px; text-align: right;">5,407</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">4,805</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">3,817</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">6,591</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 110px; text-align: right;">1,943</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">2,320</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">623</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">25,506</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Charge-offs</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1,134</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(74</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(286</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(255</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(20</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(261</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(2,030</td> <td style="text-align: left;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Recoveries</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">217</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,695</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">113</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,039</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Provision</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(63</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">708</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">24</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">19</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">117</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(3,074</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">126</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(2,143</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">Ending balance</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">4,427</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,441</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">3,841</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">6,336</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">1,805</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">921</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">601</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">23,372</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="30">Six Months Ended June 30, 2014</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Commercial,</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Financial, and</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">CRE - Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">CRE - Non Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Residential</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Agricultural</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Real Estate</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">CSRA</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Other</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Consumer</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="30">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Allowance for loan losses:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">Beginning balance</td> <td style="text-align: left;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">5,774</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,706</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,275</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,590</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,107</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,379</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">578</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">26,409</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Charge-offs</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(375</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(18</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(718</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(224</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(151</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(69</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(286</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1,841</td> <td style="text-align: left;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Recoveries</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">36</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">24</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">26</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">153</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">247</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Provision</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">139</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">437</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">896</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">256</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(445</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">642</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">143</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2,068</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.125in;">Ending balance</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,574</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">6,133</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">3,477</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,648</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">2,511</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">2,952</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">588</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">26,883</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table>

<table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="30">June 30, 2015</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Commercial,</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Financial, and</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">CRE - Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">CRE - Non Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Residential</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Agricultural</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Real Estate</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">CSRA</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Other</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Consumer</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="30">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.125in;" nowrap="nowrap">Allowance for loan losses:</td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.25in;">Ending balance attributable to loans:</td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 215px; text-align: left; text-indent: -9pt; padding-left: 0.375in;">Individually evaluated for impairment</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 126px; text-align: right;">—</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">—</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">—</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">—</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 110px; text-align: right;">—</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">—</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">—</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 109px; text-align: right;">—</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.375in;">Collectively evaluated for impairment</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">4,427</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">5,441</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">3,841</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">6,336</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">1,805</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">921</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">601</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">23,372</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">4,427</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,441</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">3,841</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">6,336</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">1,805</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">921</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">601</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">23,372</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Loans:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.25in;">Individually evaluated for impairment</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,072</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">276</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,520</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,295</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,541</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">64</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">13,769</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.25in;">Collectively evaluated for impairment</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">192,663</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">218,208</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">149,221</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">204,772</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">108,060</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">38,852</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">16,862</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">928,638</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">193,735</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">218,484</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">156,741</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">207,067</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">110,601</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">38,916</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">16,863</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">942,407</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="30">December 31, 2014</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Commercial,</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Financial, and</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">CRE - Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">CRE - Non Owner</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Residential</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">ADC</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Agricultural</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Occupied</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Real Estate</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">CSRA</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Other</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Consumer</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="30">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.125in;">Allowance for loan losses:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.25in;">Ending balance attributable to loans:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.375in;">Individually evaluated for impairment</td> <td style="text-align: left;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">207</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">207</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.375in;">Collectively evaluated for impairment</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">5,200</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">4,805</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">3,817</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">6,591</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">1,943</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2,320</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">623</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">25,299</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,407</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">4,805</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">3,817</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">6,591</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">1,943</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">2,320</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">623</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">25,506</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Loans:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.25in;">Individually evaluated for impairment</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,995</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,289</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,687</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,285</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,849</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,082</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">20,189</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: -9pt; padding-left: 0.25in;">Collectively evaluated for impairment</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">205,910</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">218,619</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">143,893</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">201,812</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">107,235</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">51,137</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">17,246</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">945,852</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">208,905</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">219,908</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">151,580</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">204,097</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">110,084</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">54,219</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">17,248</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">966,041</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table>

<table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="14">  June 30, 2015</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Unpaid</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Allowance for</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Average</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Principal</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Recorded</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Loan Losses</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Recorded</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Balance</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Investment (2)</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Allocated</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Investment</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="14">  (Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: 0pt;">With no related allowance recorded: (1)</td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 717px; text-align: left; text-indent: 0pt; padding-left: 0.375in;">Commerical</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 157px; text-align: right;">1,987</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 157px; text-align: right;">882</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 156px; text-align: right;">—</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 156px; text-align: right;">1,660</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Financial</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Agricultural</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">252</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">190</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">196</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Equity lines</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">276</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">276</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">278</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Non Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,754</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,520</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,602</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Secured by first liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,879</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,195</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,384</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Secured by junior liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">150</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">100</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">102</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 0.25in;"> Acquisition, development and construction:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Residential</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,580</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,605</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,865</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Consumer</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">16,879</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">13,769</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">15,089</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td> </td> <td> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">With an allowance recorded:</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">16,879</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">13,769</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">15,089</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">  <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">(1) No specific allowance for credit losses is allocated to these loans since they are sufficiently collateralized or had charge-offs <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">(2) Excludes accrued interest receivable and loan origination fees, net due to immateriality <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">   <table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="14">  December 31, 2014</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Unpaid</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Allowance for</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Average</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Principal</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Recorded</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Loan Losses</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Recorded</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Balance</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Investment (2)</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Allocated</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Investment</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="14">  (Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: 0pt;">With no related allowance recorded: (1)</td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 717px; text-align: left; text-indent: 0pt; padding-left: 0.375in;">Commerical</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 157px; text-align: right;">2,000</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 157px; text-align: right;">611</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 156px; text-align: right;">—</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 156px; text-align: right;">1,805</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Financial</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Agricultural</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">263</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">206</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">231</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Equity lines</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,385</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,289</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,377</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Non Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,907</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,687</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,792</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Secured by first liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,711</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,181</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,229</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Secured by junior liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">150</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">104</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">110</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 0.25in;"> Acquisition, development and construction:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Residential</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8,518</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,931</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,326</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Consumer</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">22,936</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">18,011</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">20,873</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">With an allowance recorded:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 0.25in;"> Commercial, financial, and agricultural:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.375in;">Commerical</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2,245</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2,178</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">207</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2,203</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2,245</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2,178</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">207</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2,203</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">25,181</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">20,189</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">207</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">23,076</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0pt 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">  <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0pt 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">(1) No specific allowance for credit losses is allocated to these loans since they are sufficiently collateralized or had charge-offs  <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0pt 0pt 0pt 0px; text-align: left; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">(2) Excludes accrued interest receivable and loan origination fees, net due to immateriality

<table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6">Three Months Ended June 30, 2015</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6">Six Months Ended June 30, 2015</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Interest</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Cash Basis</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Interest</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Cash Basis</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Income</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Interest Income</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Income</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Interest Income</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Recognized</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Recognized</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Recognized</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Recognized</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="6">(Dollars in thousands)</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="6">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 541px; text-align: left; text-indent: 0pt; padding-left: 0.25in;">Commerical</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 14px; text-align: left;">$</td> <td style="width: 169px; text-align: right;">—</td> <td style="width: 14px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 14px; text-align: left;"> </td> <td style="width: 14px; text-align: left;"> </td> <td style="width: 169px; text-align: right;">—</td> <td style="width: 14px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 14px; text-align: left;"> </td> <td style="width: 14px; text-align: left;"> </td> <td style="width: 169px; text-align: right;">—</td> <td style="width: 14px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 14px; text-align: left;"> </td> <td style="width: 14px; text-align: left;"> </td> <td style="width: 169px; text-align: right;">—</td> <td style="width: 14px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Financial</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Agricultural</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Equity lines</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Non Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">73</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">73</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">178</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">178</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by first liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by junior liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> Acquisition, development and construction:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Residential</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">13</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">13</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Consumer</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">93</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">93</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">230</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">230</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6">Three Months Ended June 30, 2014</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6">Six Months Ended June 30, 2014</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Interest</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Cash Basis</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Interest</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Cash Basis</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Income</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Interest Income</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Income</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2">Interest Income</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Recognized</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Recognized</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Recognized</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Recognized</td> <td style="text-align: center;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="6">(Dollars in thousands)</td> <td style="text-align: center;" nowrap="nowrap"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; text-indent: 0pt;" colspan="6">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Commerical</td> <td style="text-align: left;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Financial</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Agricultural</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Equity lines</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Non Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">80</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">80</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">163</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">163</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by first liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by junior liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> Acquisition, development and construction:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Residential</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">11</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">11</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">21</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">21</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Consumer</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">101</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">101</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">206</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">206</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table>

<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="22" nowrap="nowrap">June 30, 2015</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">30 - 89 Days</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">90 Days or</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Nonaccrual</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Loans Not</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Past Due</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">More Past Due</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Loans</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Past Due</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Past Due</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="22" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 415px; text-align: left; text-indent: 0pt; padding-left: 0.25in;">Commerical</td> <td style="width: 16px; text-align: right;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 142px; text-align: right;">28</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: right;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 142px; text-align: right;">—</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: right;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 142px; text-align: right;">903</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: right;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 141px; text-align: right;">931</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: right;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 141px; text-align: right;">104,016</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: right;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 141px; text-align: right;">104,947</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Financial</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,273</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,273</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Agricultural</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">264</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">190</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">454</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">11,381</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">11,835</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Equity lines</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">35</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">95</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">130</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">36,331</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">36,461</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">69</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">69</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">33,150</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">33,219</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Owner occupied</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,167</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">300</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,467</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">213,017</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">218,484</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Non Owner occupied</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">844</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">844</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">155,897</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">156,741</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by first liens</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">351</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,015</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,366</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">197,679</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">201,045</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by junior liens</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">336</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">336</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,686</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,022</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> Acquisition, development and construction:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Residential</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">43,884</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">43,884</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">866</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,337</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,203</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">102,430</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">105,633</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Consumer</td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">46</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">69</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">115</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">16,748</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">16,863</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">6,757</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">8,158</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">14,915</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">927,492</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">942,407</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="22" nowrap="nowrap">December 31, 2014</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">30 - 89 Days</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">90 Days or</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Nonaccrual</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Loans Not</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Past Due</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">More Past Due</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Loans</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Past Due</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Past Due</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Total</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="22" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Commerical</td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,865</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,865</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">119,815</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">122,680</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Financial</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,355</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,355</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Agricultural</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">276</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">206</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">482</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,315</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,797</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Equity lines</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">33</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">318</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">351</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">33,298</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">33,649</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">69</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">69</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">33,355</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">33,424</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Owner occupied</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,638</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">620</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,258</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">217,650</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">219,908</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Non Owner occupied</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">877</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">877</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">150,703</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">151,580</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by first liens</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,919</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,451</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,370</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">190,970</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">197,340</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Secured by junior liens</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">347</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">188</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">535</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,222</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,757</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> Acquisition, development and construction:  </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Residential</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">45,264</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">45,264</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.25in;">Other</td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">258</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,874</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,132</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">112,907</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">119,039</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Consumer</td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">44</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">136</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">180</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">17,068</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">17,248</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">5,515</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">—</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">14,604</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">20,119</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">945,922</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">966,041</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table>

<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="10" nowrap="nowrap">Three Months Ended June 30, 2015</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="10" nowrap="nowrap">Three Months Ended June 30, 2014</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Pre-Modification</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Post-Modification</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Pre-Modification</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Post-Modification</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Number of</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Outstanding</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Outstanding</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Number of</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Outstanding</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Outstanding</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Loans</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Recorded Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Recorded Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Loans</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Recorded Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Recorded Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="10" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="10" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: -9pt; padding-left: 9pt;">Troubled Debt Restructurings:</td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 405.4px; text-align: left; text-indent: 0pt; padding-left: 0.35in;">Commerical</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 142px; text-align: right;">-</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 142px; text-align: right;">-</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 142px; text-align: right;">-</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 141px; text-align: right;">-</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;">$</td> <td style="width: 141px; text-align: right;">-</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;">$</td> <td style="width: 141px; text-align: right;">-</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Financial</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Agricultural</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Equity lines</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 18pt;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Non Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: -9pt; padding-left: 18pt;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Secured by first liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Secured by junior liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 18pt;">Acquisition, development and construction: </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Residential</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 9pt;">Consumer</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 13.33px/normal 'times new roman', times, serif; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">   <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="10" nowrap="nowrap">Six Months Ended June 30, 2015</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="10" nowrap="nowrap">Six Months Ended June 30, 2014</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Pre-Modification</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Post-Modification</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Pre-Modification</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Post-Modification</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Number of</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Outstanding</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Outstanding</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Number of</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Outstanding</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="2" nowrap="nowrap">Outstanding</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Loans</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Recorded Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Recorded Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Loans</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Recorded Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">Recorded Investment</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="10" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="10" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; text-indent: -9pt; padding-left: 9pt;">Troubled Debt Restructurings:</td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left;"> Commercial, financial, and agricultural:  </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td colspan="2" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 405.4px; text-align: left; text-indent: 0pt; padding-left: 0.35in;">Commerical</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 142px; text-align: right;">-</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 142px; text-align: right;">-</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 142px; text-align: right;">-</td> <td style="width: 16px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 141px; text-align: right;">-</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;">$</td> <td style="width: 141px; text-align: right;">-</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 15px; text-align: left;">$</td> <td style="width: 141px; text-align: right;">-</td> <td style="width: 15px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Financial</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Agricultural</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Equity lines</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 18pt;">Commercial real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Non Owner occupied</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: -9pt; padding-left: 18pt;">Residential real estate:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Secured by first liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">287</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">220</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Secured by junior liens</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: -9pt; padding-left: 18pt;">Acquisition, development and construction: </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Residential</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-left: 0.35in;">Other</td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 9pt;">Consumer</td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">-</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">1</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">287</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: left;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">220</td> </tr> </table>

<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr> <td style="width: 546.21px; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 13.21px; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 123.21px; text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;">June 30,</td> <td style="width: 13.21px; text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;"> </td> <td style="width: 233.21px; text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;">Valuation</td> <td style="width: 12.21px; text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: top;" nowrap="nowrap"> </td> <td style="width: 247.21px; text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;">Unobservable</td> <td style="width: 12.21px; text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: top;" nowrap="nowrap"> </td> <td style="width: 341.21px; text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;">Range</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2015</td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" nowrap="nowrap">Techniques</td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">Inputs</td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" nowrap="nowrap">(Weighted Avg)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" colspan="7" nowrap="nowrap">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 10pt;" nowrap="nowrap">Impaired loans</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 8.65pt; font-size: 9pt;">Commercial, financial and agricultural</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" nowrap="nowrap"> 882</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" nowrap="nowrap">sales comparison</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" nowrap="nowrap">0.00% - 30.00% (15.00%)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" nowrap="nowrap">differences between</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" nowrap="nowrap"> income approach</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" nowrap="nowrap">capitalization rate</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" nowrap="nowrap">10.82%</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" nowrap="nowrap">liquidation value</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 8.65pt; font-size: 9pt; vertical-align: top;">Real estate:</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 17.3pt; font-size: 9pt; vertical-align: top;">Commercial</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> 1,119</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">sales comparison</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">0.00% - 70.99% (20.73%)</td> </tr> <tr> <td style="text-align: justify; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: top;"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">differences between</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: top;"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: top;"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: top;"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> income approach</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">capitalization rate</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">8.25% - 9.29% (8.84%)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 17.3pt; font-size: 9pt; vertical-align: top;">Residential</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> 1,436</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">sales comparison</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">0.00% - 37.00% (8.71%)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" nowrap="nowrap">differences between</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" nowrap="nowrap">liquidation value</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 17.3pt; font-size: 9pt; vertical-align: top;">Acquisition, development and</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 0.25in; font-size: 9pt; vertical-align: top;">   construction</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> 2,033</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">sales comparison</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">0.00% - 161.40% (33.97%)</td> </tr> <tr> <td style="text-align: justify; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: top;"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">differences between</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: top;"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 8.65pt; font-size: 9pt;">Consumer installment</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" nowrap="nowrap"> 1</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" nowrap="nowrap">liquidation value</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: top;"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: top;">Other real estate owned</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 8.65pt; font-size: 9pt; vertical-align: top;">Real estate:</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 17.3pt; font-size: 9pt; vertical-align: top;">Commercial</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> 144</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> sales comparison</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">0.00% - 25.00% (12.50%)</td> </tr> <tr> <td style="text-align: justify; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: top;"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">differences between</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 17.3pt; font-size: 9pt; vertical-align: top;">Acquisition, development and</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 0.25in; font-size: 9pt; vertical-align: top;">   construction</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> 360</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> sales comparison</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">10.00% - 42.00% (26.00%)</td> </tr> <tr> <td style="text-align: justify; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: top;"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">differences between</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: top;"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 1.05pt; padding-right: 1.05pt; padding-left: 1.05pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> </table> <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: center; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr> <td style="width: 547.28px; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"></td> <td style="width: 14.28px; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 124.28px; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 14.28px; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 234.28px; text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;" nowrap="nowrap"> </td> <td style="width: 13.28px; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 248.28px; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 13.28px; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="width: 342.28px; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;">Dec. 31,</td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;">Valuation</td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;">Unobservable</td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;">Range</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">2014</td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" nowrap="nowrap">Techniques</td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">Inputs</td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" nowrap="nowrap">(Weighted Avg)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt;" colspan="7" nowrap="nowrap">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 10pt;" nowrap="nowrap">Impaired loans</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 8.65pt; font-size: 9pt;">Commercial, financial and agricultural</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt;" nowrap="nowrap"> 2,582</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt;" nowrap="nowrap">sales comparison</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt;" nowrap="nowrap">7.00% - 50.00% (28.50%)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt;" nowrap="nowrap"> income approach</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt;" nowrap="nowrap">capitalization rate</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt;" nowrap="nowrap">9.39%</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt;" nowrap="nowrap">liquidation value</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 8.65pt; font-size: 9pt; vertical-align: top;">Real estate:</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.25in; font-size: 9pt; vertical-align: top;">Commercial</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> 2,166</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">sales comparison</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">0.00% - 70.99% (19.92%)</td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> income approach</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">capitalization rate</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">8.25% - 10.00% (8.97%)</td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">liquidation value</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.25in; font-size: 9pt; vertical-align: top;">Residential</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> 1,421</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">sales comparison</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">1.30% - 24.46% (7.24%)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.25in; font-size: 9pt; vertical-align: top;">Acquisition, development and</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.25in; font-size: 9pt; vertical-align: top;">   construction</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> 5,352</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">sales comparison</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">0.00% - 161.40% (28.55%)</td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> income approach</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">discount rate</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">9.50% - 10.00% (9.69%)</td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 8.65pt; font-size: 9pt;">Consumer installment</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt;" nowrap="nowrap"> 2</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt;" nowrap="nowrap">liquidation value</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: top;">Other real estate owned</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 8.65pt; font-size: 9pt; vertical-align: top;">Real estate:</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.25in; font-size: 9pt; vertical-align: top;">Commercial</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> 144</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> sales comparison</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">0.00% - 25.00% (12.50%)</td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.25in; font-size: 9pt; vertical-align: top;">Acquisition, development and</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.25in; font-size: 9pt; vertical-align: top;">   construction</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: right; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> 435</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap"> sales comparison</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">adjustment for</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="text-align: center; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">5.00% - 60.00% (27.12%)</td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">differences between</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> <tr> <td style="text-align: justify; padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: top;"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; font-size: 9pt; vertical-align: bottom;" nowrap="nowrap">the comparable sales</td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> <td style="padding-top: 0.65pt; padding-right: 0.65pt; padding-left: 0.65pt; vertical-align: bottom;" nowrap="nowrap"> </td> </tr> </table>

<table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; background-color: white; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="18">June 30, 2015</td> <td style="text-align: center; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; padding-bottom: 1px;" colspan="14"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center;" colspan="2">Carrying</td> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="14">Fair Value Measurements</td> <td style="text-align: center; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">amount</td> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Total</td> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Level 1</td> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Level 2</td> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Level 3</td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding: 0px; text-align: center; text-indent: 0px;"> </td> <td style="padding: 0px; text-align: center; text-indent: 0px;"> </td> <td style="padding: 0px; text-align: center;" colspan="18">(Dollars in thousands)</td> <td style="padding: 0px; text-align: center; text-indent: 0px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.95pt;">Financial assets:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 613.67px; text-align: left; padding-left: 10pt;">Cash and cash equivalents</td> <td style="width: 32px;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 126px; text-align: right;">78,143</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 32px;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">78,143</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 32px;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 125px; text-align: right;">78,143</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 31px;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 125px; text-align: right;">-</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 31px;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 125px; text-align: right;">-</td> <td style="width: 15px; text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Loans, net</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">913,694</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">914,721</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">914,721</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 10pt;">Restricted equity securities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,936</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> N/A</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Accrued interest receivable</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,982</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,982</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,474</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,508</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 0.95pt;">Financial liabilities:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Deposits with stated maturities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">361,777</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">364,391</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">364,391</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 10pt;">Deposits without stated maturities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,172,558</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,172,558</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,172,558</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Securities sold under repurchase agreements</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">649</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">649</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">649</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 10pt;">Advances from FHLB</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">56,000</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">58,351</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">58,351</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Subordinated debentures</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">20,000</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14,974</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14,974</td> <td style="text-align: left;"> </td> </tr> </table> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: center; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <p style="font: 12pt/normal 'times new roman', times, serif; margin: 0pt 0px; text-align: center; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> <p style="font: 13.33px/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="18">December 31, 2014</td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;" colspan="2"> </td> <td style="text-align: center; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;" colspan="14"> </td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;" colspan="2">Carrying</td> <td style="text-align: center; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="14">Fair Value Measurements</td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;"> </td> <td style="text-align: center; font-weight: bold; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">amount</td> <td style="text-align: center; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px; font-weight: bold;"> </td> <td style="text-align: center; font-weight: bold; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Total</td> <td style="text-align: center; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Level 1</td> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Level 2</td> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">Level 3</td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="18">(Dollars in thousands)</td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.95pt;">Financial assets:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 613.67px; text-align: left; padding-left: 10pt;">Cash and cash equivalents</td> <td style="width: 32px;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 126px; text-align: right;">35,995</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 32px;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 126px; text-align: right;">35,995</td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 32px;"> </td> <td style="width: 16px; text-align: left;"> </td> <td style="width: 125px; text-align: right;">35,995</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 31px;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 125px; text-align: right;">-</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 31px;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 125px; text-align: right;">-</td> <td style="width: 15px; text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Loans, net</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">929,327</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">925,997</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">925,997</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 10pt;">Restricted equity securities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,398</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> N/A</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Accrued interest receivable</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,898</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,898</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,140</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,758</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 0.95pt;">Financial liabilities:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Deposits with stated maturities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">375,808</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">376,607</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">376,607</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 10pt;">Deposits without stated maturities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,088,056</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,088,056</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,088,056</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Securities sold under repurchase agreements</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">10,678</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">10,678</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">10,678</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 10pt;">Advances from FHLB</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">64,000</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">67,551</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">67,551</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-left: 10pt;">Subordinated debentures</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">20,000</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14,886</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14,886</td> <td style="text-align: left;"> </td> </tr> </table>

<div> <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td style="text-align: center;" colspan="3">Weighted Avg</td> </tr> <tr style="vertical-align: bottom;"> <td colspan="3"> </td> <td> </td> <td style="text-align: center;" colspan="3">Number of</td> <td> </td> <td style="text-align: center;" colspan="3">Grant-Date</td> </tr> <tr style="vertical-align: bottom;"> <td colspan="3"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="text-align: center;" colspan="3">Shares</td> <td style="padding-bottom: 1pt;"> </td> <td style="text-align: center;" colspan="3">Fair Value</td> </tr> <tr style="vertical-align: bottom;"> <td style="width: 15px; text-align: left;"> </td> <td style="width: 786px; text-align: right;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 46px;"> </td> <td style="width: 15px; text-align: left; border-top-color: black; border-top-width: 2px; border-top-style: solid;"> </td> <td style="width: 141px; text-align: right; border-top-color: black; border-top-width: 2px; border-top-style: solid;"> </td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 47px;"> </td> <td style="width: 15px; text-align: left; border-top-color: black; border-top-width: 2px; border-top-style: solid;"> </td> <td style="width: 142px; text-align: right; border-top-color: black; border-top-width: 2px; border-top-style: solid;"> </td> <td style="width: 16px; text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left;" colspan="2">Nonvested at January 1, 2015</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">63,000</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">21.60</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;" colspan="2">Granted</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left;" colspan="2">Vested</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(21,000</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">21.60</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;" colspan="2">Forfeited</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left;" colspan="2">Nonvested at June 30, 2015</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">42,000</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">21.60</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  </div>

<div> <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td style="padding-bottom: 1pt;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">June 30, 2015</td> <td> </td> <td style="padding-bottom: 1pt;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">December 31, 2014</td> <td> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="7">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="7"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 735.87px; text-align: left; padding-left: 0.85pt;">Notional Amounts</td> <td style="width: 46px;"> </td> <td style="width: 15px; text-align: left;">$</td> <td style="width: 188px; text-align: right;">10,000</td> <td style="width: 15px; text-align: left;"> </td> <td style="width: 31px;"> </td> <td style="width: 15px; text-align: left;">$</td> <td style="width: 190px; text-align: right;">10,000</td> <td style="width: 16px; text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-left: 0.85pt;">Weighted average pay rates</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5.35</td> <td style="text-align: left;">%</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5.35</td> <td style="text-align: left;">%</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="padding-left: 0.85pt;">Weighted average receive rates</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1.69</td> <td style="text-align: left;">%</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1.64</td> <td style="text-align: left;">%</td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-left: 0.85pt;">Weigted average maturity</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">13.58 years</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14.08 years</td> <td style="text-align: left;"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; padding-left: 0.85pt;">Unrealized losses</td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">1,717</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">1,959</td> <td style="text-align: left;"> </td> </tr> </table> <div style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"> </div> </div>

<table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; font-size: 10pt; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="width: 627px;"> </td> <td style="width: 13px;"> </td> <td style="width: 13px;" nowrap="nowrap"> </td> <td style="width: 151px;" nowrap="nowrap"> </td> <td style="width: 13px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 26px;"> </td> <td style="width: 12px;" nowrap="nowrap"> </td> <td style="width: 150px;" nowrap="nowrap"> </td> <td style="width: 12px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 25px;"> </td> <td style="width: 12px;" nowrap="nowrap"> </td> <td style="width: 187px;" nowrap="nowrap"> </td> <td style="width: 12px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap"> Unrealized Gain (Loss) on  Derivatives </td> <td nowrap="nowrap"> </td> <td style="padding-bottom: 2px;"> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap"> Unrealized Gain (Loss) on Securities </td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap"> </td> <td style="padding-bottom: 2px;"> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap"> Accumulated Other Comprehensive Income (Loss) </td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="10" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="10" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Balance, December 31, 2014</td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">(1,197</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">1,268</td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">71</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-bottom: 2px;">Current Year change</td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">148</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap"> </td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(1,605</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(1,457</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-bottom: 4px;">Balance, June 30, 2015</td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">(1,049</td> <td style="text-align: left; padding-bottom: 4px;" nowrap="nowrap">)</td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">(337</td> <td style="text-align: left; padding-bottom: 4px;" nowrap="nowrap">)</td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">(1,386</td> <td style="text-align: left; padding-bottom: 4px;" nowrap="nowrap">)</td> </tr> </table> <p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">  <table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; font-size: 10pt; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="width: 627px;"> </td> <td style="width: 13px;"> </td> <td style="width: 13px;" nowrap="nowrap"> </td> <td style="width: 151px;" nowrap="nowrap"> </td> <td style="width: 13px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 26px;"> </td> <td style="width: 12px;" nowrap="nowrap"> </td> <td style="width: 150px;" nowrap="nowrap"> </td> <td style="width: 12px; text-align: left;" nowrap="nowrap"> </td> <td style="width: 25px;"> </td> <td style="width: 12px;" nowrap="nowrap"> </td> <td style="width: 187px;" nowrap="nowrap"> </td> <td style="width: 12px; text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-bottom: 2px;"></td> <td style="padding-bottom: 2px;"> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap">   Unrealized Gain (Loss) on Derivatives </td> <td nowrap="nowrap"> </td> <td style="padding-bottom: 2px;"> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap"> Unrealized Gain (Loss) on Securities </td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap"> </td> <td style="padding-bottom: 2px;"> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap"> Accumulated Other Comprehensive Income (Loss) </td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="10" nowrap="nowrap">(Dollars in thousands)</td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center; text-indent: 0pt;" colspan="10" nowrap="nowrap"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt;">Balance, December 31, 2013</td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">(469</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">(9,632</td> <td style="text-align: left;" nowrap="nowrap">)</td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">(10,101</td> <td style="text-align: left;" nowrap="nowrap">)</td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="text-align: left; text-indent: 0pt; padding-bottom: 2px;">Current Year change</td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(393</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap">)</td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">9,178</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap"> </td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">8,785</td> <td style="text-align: left; padding-bottom: 2px;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; text-indent: 0pt; padding-bottom: 4px;">Balance, June 30, 2014</td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">(862</td> <td style="text-align: left; padding-bottom: 4px;" nowrap="nowrap">)</td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">(454</td> <td style="text-align: left; padding-bottom: 4px;" nowrap="nowrap">)</td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">(1,316</td> <td style="text-align: left; padding-bottom: 4px;" nowrap="nowrap">)</td> </tr> </table>

<table style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman', times, serif; font-size: 10pt; word-spacing: 0px; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;"> </td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;"> </td> <td> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6">Three Months Ended June 30,</td> <td style="text-align: left; padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">2015</td> <td style="text-align: left; padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2">2014</td> <td style="text-align: left; padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> Details about Accumulated  Other Comprehensive Income Components </td> <td style="padding-bottom: 2px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap"> Amount reclassified from Accumulated Other Comprehensive Income </td> <td> </td> <td style="padding-bottom: 2px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap"> Amount reclassified from Accumulated Other Comprehensive Income </td> <td style="text-align: center; text-indent: 0pt;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">Affected line item in the Statement  where Net Income is presented</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;" colspan="10">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; text-indent: 0pt;">Unrealized gains and losses on available-for-sale securities</td> <td> </td> <td colspan="2"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="width: 596px;"> </td> <td style="width: 32px; text-align: right;"> </td> <td style="width: 16px; text-align: left;">$</td> <td style="width: 204px; text-align: right;">(897</td> <td style="width: 16px; text-align: left;">)</td> <td style="width: 16px; text-align: right;"> </td> <td style="width: 15px; text-align: left;">$</td> <td style="width: 203px; text-align: right;">26</td> <td style="width: 31px; text-align: left;"> </td> <td style="width: 438px; text-align: left; text-indent: 0pt;">Investment securities gains (losses), net</td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 2px;"> </td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">291</td> <td style="text-align: left; padding-bottom: 2px;"> </td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(8</td> <td style="text-align: left; padding-bottom: 2px;">)</td> <td style="text-align: left; text-indent: 0pt; padding-bottom: 2px;">Tax benefit (expense)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="padding-bottom: 4px;"> </td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">(606</td> <td style="text-align: left; padding-bottom: 4px;">)</td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">18</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="text-align: left; text-indent: 0pt; padding-bottom: 4px;">Net of tax</td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> </tr> <tr style="vertical-align: bottom;"> <td style="padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> <td style="text-align: center; text-indent: 0pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="6">Six Months Ended June 30,</td> <td style="text-align: left; padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2"> 2015</td> <td style="text-align: left; padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2"> 2014</td> <td style="text-align: left; padding-bottom: 2px;"> </td> <td style="padding-bottom: 2px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">Details about Accumulated Other Comprehensive Income Components</td> <td style="padding-bottom: 2px;"> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2"> Amount reclassified from Accumulated Other Comprehensive Income </td> <td> </td> <td style="padding-bottom: 2px;"> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" colspan="2" nowrap="nowrap"> Amount reclassified from Accumulated Other Comprehensive Income </td> <td> </td> <td style="border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> Affected line item in the Statement where Net Income is presented </td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: center; text-indent: 0pt;" colspan="10">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; text-indent: 0pt;">Unrealized gains and losses on available-for-sale securities</td> <td> </td> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td> </td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">(840</td> <td style="text-align: left;">)</td> <td style="text-align: right;"> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">277</td> <td style="text-align: left;"> </td> <td style="text-align: left; text-indent: 0pt;">Investment securities gains (losses), net</td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 2px;"> </td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">271</td> <td style="text-align: left; padding-bottom: 2px;"> </td> <td style="text-align: right; padding-bottom: 2px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;"> </td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;">(86</td> <td style="text-align: left; padding-bottom: 2px;">)</td> <td style="text-align: left; text-indent: 0pt; padding-bottom: 2px;">Tax benefit (expense)</td> </tr> <tr style="vertical-align: bottom; background-color: #f0ffff;"> <td style="padding-bottom: 4px;"> </td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">(569</td> <td style="text-align: left; padding-bottom: 4px;">)</td> <td style="text-align: right; padding-bottom: 4px;"> </td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">$</td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;">191</td> <td style="text-align: left; padding-bottom: 4px;"> </td> <td style="text-align: left; text-indent: 0pt; padding-bottom: 4px;">Net of tax</td> </tr> </table>

P90D P120D P90D P6M P1Y 500000

6000

50000

642390000

109936000

181104000

98538000

123921000

128891000

677613000

102672000

194100000

126094000

136331000

118416000

7352000 990000 307000 3400000 983000 1672000 5681000 836000 414000 2666000 708000 1057000 5277000 1457000 2667000 183000 443000 527000 6231000 941000 1983000 1159000 1096000 1052000

34609000

77968000

53848000

77148000

438000

910000

111000

219000

412000

633000

1008000

1059000

4759000

98801000

186480000

387573000

677613000

4804000

99797000

185105000

387357000

677063000

19108000

11285000

9041000

36594000

29769000

105797000

47395000

49949000

42756000

72520000

47816000

260436000

98000 49000 44000 216000 204000 611000 300000 1042000 730000 894000 529000 3495000

112541000

6048000

35529000

18205000

29421000

201744000

78689000

3426000

11907000

7203000

15245000

116470000

2569000 134000 483000 227000 1253000 4666000 1683000 117000 322000 202000 412000 2736000

131649000

17333000

44570000

54799000

59190000

307541000

126084000

53375000

54663000

79723000

63061000

376906000

2667000 183000 527000 443000 1457000 5277000 1983000 1159000 1052000 1096000 941000 6231000 10% or more 10% or more 45 1 378 47 1 430 25 145 31 218 0.4599 0.4957

1457000

138000

941000

120000

24 30 1319000 821000 112000 112000 130000 208905000 193735000 371488000 375225000 204097000 207067000 164303000 149517000 17248000 16863000 966041000 219908000 151580000 204097000 54219000 17248000 208905000 110084000 122680000 9355000 9797000 33649000 33424000 197340000 6757000 109908000 9355000 6636000 32773000 33012000 201840000 137973000 183898000 6125000 45264000 101047000 16919000 884750000 7782000 1960000 287000 343000 14593000 5066000 8115000 149000 11597000 154000 50046000 4990000 1201000 589000 69000 3475000 8541000 5327000 483000 6395000 175000 31245000 45264000 119039000 942407000 218484000 156741000 207067000 38916000 16863000 193735000 110601000 104947000 7273000 11835000 36461000 33219000 201045000 6022000 99961000 7273000 8638000 35376000 32814000 196336000 143630000 188462000 5197000 43781000 96258000 16353000 874079000 2195000 2564000 719000 336000 15262000 4909000 7796000 194000 103000 6233000 396000 40707000 2791000 633000 366000 69000 6886000 8202000 4787000 631000 3142000 114000 27621000 43884000 105633000

-315000

-130000

-526000

-18000

-84000

-129000

-240000

-55000

-1841000

-18000

-718000

-224000

-69000

-286000

-375000

-151000

-1238000

-74000

-245000

-20000

-132000

-517000

-250000

-2030000

-74000

-286000

-20000

-261000

-1134000

-255000

98000

4000

19000

60000

15000

247000

8000

24000

26000

153000

36000

1909000

1000

1666000

54000

187000

2039000

2000

12000

1695000

113000

217000

1011000

111000

404000

210000

163000

85000

229000

-191000

2068000

437000

896000

256000

642000

143000

139000

-445000

-2690000

141000

3000

225000

-2922000

-23000

-538000

424000

-2143000

708000

24000

19000

-3074000

126000

-63000

117000

207000

25299000

4805000

3817000

6591000

2320000

623000

5200000

1943000

23372000

5441000

3841000

6336000

921000

601000

4427000

1805000

20189000

1289000

7687000

2285000

3082000

2000

2995000

2849000

13769000

276000

7520000

2295000

64000

1000

1072000

2541000

945852000

218619000

143893000

201812000

51137000

17246000

205910000

107235000

928638000

218208000

149221000

204772000

38852000

16862000

192663000

108060000

22936000

1385000

7907000

8518000

2000

263000

2711000

150000

2000000

16879000

276000

7754000

3580000

1000

252000

2879000

150000

1987000

18011000

1289000

7687000

5931000

2000

206000

2181000

104000

611000

13769000

276000

7520000

2605000

1000

190000

2195000

100000

882000

20873000

1377000

7792000

7326000

3000

231000

2229000

110000

1805000

15089000

278000

7602000

2865000

2000

196000

2384000

102000

1660000

2245000

2178000

207000 207000

2203000

25181000

16879000

20189000

13769000

207000

23076000

15089000

101000

3000

80000

11000

6000

1000

206000

7000

163000

21000

12000

3000

93000

3000

73000

7000

9000

1000

230000

6000

178000

13000

30000

3000

101000

3000

80000

11000

6000

1000

206000

7000

163000

21000

12000

3000

93000

3000

73000

7000

9000

1000

230000

6000

178000

13000

30000

3000

5515000 1638000 44000 276000 33000 2919000 347000 258000 6757000 5167000 46000 28000 264000 35000 351000 866000

14604000

620000

877000

136000

2865000

206000

318000

69000

3451000

188000

5874000

8158000

300000

844000

69000

903000

190000

95000

69000

3015000

336000

2337000

20119000

2258000

877000

180000

2865000

482000

351000

69000

6370000

535000

6132000

14915000

5467000

844000

115000

931000

454000

130000

69000

3366000

336000

3203000

945922000

217650000

150703000

17068000

119815000

9355000

9315000

33298000

33355000

190970000

6222000

45264000

112907000

927492000

213017000

155897000

16748000

104016000

7273000

11381000

36331000

33150000

197679000

5686000

43884000

102430000

9669000

354000

5878000

1112000

104000

2221000

9136000

276000

5752000

1095000

100000

1913000

1 1

287000

220000

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[Abstract] Interest and Dividend Income, Operating [Abstract] Income: Interest income: Interest and Fee Income, Loans and Leases Loans, including fees Interest and Dividend Income, Securities Investment securities Interest Income, Domestic Deposits Interest-bearing deposits in other banks Interest and Dividend Income, Operating Total interest income Interest income Total interest income Interest Expense [Abstract] Expense: Interest expense: Interest Expense, Domestic Deposits Deposits Interest Expense, Securities Sold Under Agreements To Repurchase Securities sold under repurchase agreements Interest Expense, Other Other borrowings Interest Expense Interest expense Total interest expense Interest Income (Expense), Net Net interest income Net interest income Net interest income Provision For Loan, Lease, and Other Losses Provision (Credit) for loan losses Interest Income (Expense), After Provision For Loan Loss Net interest income after provision for loan losses Net interest income after provision for loan losses Noninterest Income [Abstract] Noninterest income: Fees and Commissions, Depositor Accounts Service charges and fees on deposits Gain (Loss) On Sale Of Mortgage Loans Gain on sales of loans Gain on sales of loans Gain (Loss) On Sale Of Property Plant Equipment Gain (loss) on sale of fixed assets, net Loss (gain) on disposal of premises and equipment Gain (Loss) On Sale Of Securities, Net Investment securities losses, net Investment securities gains (losses), net (includes ($897) and $26 for the three months ended and ($840) and $277 for the six months ended June 30, 2015 and 2014 accumulated other comprehensive income reclassifications for unrealized gains (losses) on available-for-sale securities) Net investment securities losses (gains) Investment securities losses, net Brokerage Commissions Revenue Retail investment income Fees and Commissions, Fiduciary and Trust Activities Trust service fees Bank Owned Life Insurance Income Earnings from cash surrender value of bank-owned life insurance Earnings from CSV of bank-owned life insurance Noninterest Income, Other Operating Income Miscellaneous income Noninterest Income Noninterest income Total noninterest income Noninterest Expense [Abstract] Noninterest expense: Labor and Related Expense Salaries and other personnel expense Occupancy, Net Occupancy expense Occupancy expenses Gains (Losses) On Sales Of Other Real Estate Other real estate losses Other real estate losses (gains), net Other Noninterest Expense Other operating expense Other operating expenses Total other operating expense Noninterest Expense Noninterest expense Total noninterest expense Income (Loss) From Continuing Operations Before Equity Method Investments, Income Taxes, Extraordinary Items, Noncontrolling Interest Income (loss) before equity in undistributed earnings of banking subsidiaries Income (loss) before equity in undistributed (excess distributed) earnings of banking subsidiaries Income before income taxes Income (loss) before equity in undistributed (excess distributed) earnings of banking subsidiaries Income Tax Expense (Benefit) Income tax benefit Income tax expense Total income tax (benefit) expense Net Income (Loss) Attributable To Parent Net income Net income (loss) Net income Comprehensive Income (Loss), Net Of Tax, Attributable To Parent [Abstract] Other comprehensive income (loss): Other Comprehensive Income (Loss), Unrealized Gain (Loss) On Derivatives Arising During Period, Before Tax Unrealized gain (loss) on derivatives Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, before Tax Unrealized gains and losses on available-for-sale securities, Total before tax Unrealized gain (loss) on securities available-for-sale Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax Reclassification adjustment for realized (gain) loss on securities, net of OTTI Accumulated other 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for basic earnings per common share Weighted average common shares outstanding (in shares) Weighted Average Number Of Shares Outstanding, Diluted Weighted average number of common and common equivalent shares outstanding (in shares) Weighted average number of common and common equivalent shares outstanding Consolidated Statements Of Cash Flows [Abstract] Consolidated Statements of Cash Flows [Abstract] Net Cash Provided by (Used in) Operating Activities, Continuing Operations [Abstract] Cash flows from operating activities: Adjustments, Noncash Items, To Reconcile Net Income (Loss) To Cash Provided By (Used In) Operating Activities [Abstract] Adjustments to reconcile net income to net cash provided by (used in) operating activities Adjustments to reconcile net income to net cash provided by operating activities Depreciation Depreciation Depreciation Deferred Income Tax Expense (Benefit) Deferred income tax benefit Deferred income tax expense (benefit) Total deferred Deferred income tax (benefit) expense Accretion (Amortization) Of Discounts and Premiums, Investments Net amortization of premium on investment securities Net amortization of premiums on investment securities Stock Or Unit Option Plan Expense Stock-based compensation expense Payments for Federal Home Loan Bank Advances Prepayment fees on Federal Home Loan Bank advances Gain Loss On Sale Of Other Real Estate Loss (gain) on the sale of other real estate Gain loss on the sale of other real estate. Gain on the sale of other real estate Real Estate Owned, Valuation Allowance, Period Increase (Decrease) Provision for other real estate valuation allowance Payments For Origination Of Mortgage Loans Held-For-Sale Real estate loans originated for sale Real estate loans originated for sale Proceeds From Sale Of Mortgage Loans Held-For-Sale Proceeds from sales of real estate loans Increase (Decrease) In Accrued Interest Receivable, Net Decrease in accrued interest receivable (Increase) decrease in accrued interest receivable Increase (Decrease) In Prepaid Expense and Other Assets Decrease (increase) in other assets Decrease (increase) in other assets (Increase) decrease in other assets (Increase) decrease in other assets Increase (Decrease) In Accounts Payable and Accrued Liabilities Decrease in accrued interest payable and other liabilities Increase in accrued interest payable and other liabilities Net Cash Provided by (Used in) Operating Activities, Continuing Operations, Total Net cash provided by operating activities Net cash provided by operating activities Net Cash Provided by (Used in) Investing Activities, Continuing Operations [Abstract] Cash flows from investing activities: Proceeds From Sale Of Available-For-Sale Securities Proceeds from sales of available-for-sale securities Proceeds From Maturities, Prepayments and Calls Of Available-For-Sale Securities Proceeds from sales and maturities of investment securities Proceeds from maturities and calls of available-for-sale securities Payments To Acquire Available-For-Sale Securities Purchase of available-for-sale securities Purchase of available-for-sale securities Proceeds From Sale Of Federal Reserve Stock Proceeds from redemption of FHLB stock Payments to Acquire Federal Home Loan Bank Stock Purchase of FHLB stock Purchase of FHLB stock Payments For (Proceeds From) Loans and Leases Net increase in loans Net decrease (increase) in loans Payments To Acquire Property, Plant, and Equipment Additions to premises and equipment Additions to premises and equipment Proceeds From Sale Of Foreclosed Assets Proceeds from sale of other real estate Proceeds From Sale Of Property, Plant, and Equipment Proceeds from sale of premises and equipment Net Cash Provided by (Used in) Investing Activities, Continuing Operations, Total Net cash provided by (used in) investing activities Net cash used in investing activities Net Cash Provided by (Used in) Financing Activities, Continuing Operations [Abstract] Cash flows from financing activities: Increase (Decrease) In Deposits Net increase in deposits Increase (Decrease) In Federal Funds Purchased and Securities Sold Under Agreements To Repurchase, Net Net decrease in securities sold under repurchase agreements Net increase (decrease) in securities sold under repurchase agreements Payments Of Federal Home Loan Bank Advances One Payments of Federal Home Loan Bank advances Amount of cash outflow from payments for Federal Home Loan Bank (FHLBank) advances. Payments of Federal Home Loan Bank advances Payments for Repurchase of Common Stock Purchase of treasury stock Purchase of treasury stock Repayments of Subordinated Short-term Debt Payments on subordinated debentures Payments of Dividends, Total Payment of cash dividends Payment of cash dividends Excess Tax Benefit from Share-based Compensation, Financing Activities Tax benefit from stock-based compensation Proceeds From Stock Plans Proceeds from Directors' stock purchase plan Net Cash Provided by (Used in) Financing Activities, Continuing Operations, Total Net cash provided by financing activities Net cash provided by financing activities Cash and Cash Equivalents, Period Increase (Decrease) Net increase in cash and cash equivalents Net increase in cash and cash equivalents Supplemental Cash Flow Information [Abstract] Supplemental disclosures of cash paid during the period for: Interest Paid Interest Income Taxes Paid Income taxes Other Noncash Investing and Financing Items [Abstract] Supplemental information on noncash investing activities: Real Estate Owned, Transfer to Real Estate Owned Loans transferred to other real estate owned Loans Provided For Sales Of Other Real Estate Owned Loans provided for sales of other real estate owned Represents loans provided for sales of other real estate owned. Due To Broker Noncash Investing Activities Due to broker Represents the amount for due to broker as a non cash investing activities. Accounting Policies [Abstract] Accounting Policies [Abstract] Significant Accounting Policies [Text Block] Summary of Significant Accounting Policies Investments, Debt and Equity Securities [Abstract] Investments, Debt and Equity Securities [Abstract] Investments In Debt and Marketable Equity Securities (And Certain Trading Assets) Disclosure [Text Block] Investment Securities Receivables [Abstract] Receivables [Abstract] Financing Receivables [Text Block] Loans Fair Value Disclosures [Abstract] Fair Value Disclosures [Abstract] Fair Value Disclosures [Text Block] Fair Value Measurements Disclosure of Compensation Related Costs, Share-based Payments [Abstract] Disclosure of Compensation Related Costs, Share-based Payments [Text Block] Stock-Based Compensation Derivative Instruments and Hedging Activities Disclosure [Abstract] Derivative Instruments and Hedging Activities Disclosure [Abstract] Derivative Instruments and Hedging Activities Disclosure [Text Block] Interest Rate Swap Derivatives Other Comprehensive Income Loss [Text Block] Other Comprehensive Income (Loss) This element represents Other Comprehensive Income or Loss, Net of Tax, for the period attributable to the parent entity. Includes deferred gains or losses on qualifying hedges, unrealized holding gains or losses on available-for-sale securities, minimum pension liability, and cumulative translation adjustment.} Dividends [Abstract] Dividends [Abstract] Dividends [Text Block] Dividends This element represents information regarding dividend of the entity. Nature Of Operations And Principles Of Consolidation [Policy Text Block] Nature of Operations and Principles of Consolidation Disclosure of accounting policy for the nature of an entity's business, the major products or services it sells or provides and its principal markets, including the locations of those markets and the principles it follows in consolidating or combining the separate financial statements, including the principles followed in determining the inclusion or exclusion of subsidiaries or other entities in the consolidated or combined financial statements. Loans and Leases Receivable, Allowance For Loan Losses Policy [Policy Text Block] Loans and Allowance for Loan Losses Derivatives, Policy [Policy Text Block] Derivatives New Accounting Pronouncements, Policy [Policy Text Block] Recent Accounting Pronouncements Adoption of New Accounting Standards Schedule Of Available-For-Sale Securities Reconciliation [Table Text Block] Schedule of amortized cost and fair value of the available-for-sale investment securities portfolio Schedule Of Realized Gain (Loss) [Table Text Block] Schedule of proceeds from sales of securities available-for-sale and the associated gains (losses), excluding gains (losses) on called securities Investments Classified By Contractual Maturity Date [Table Text Block] Schedule of amortized cost and fair value of the investment securities portfolio excluding equity securities by expected maturity Schedule Of Unrealized Loss On Investments [Table Text Block] Schedule of investment securities with unrealized losses Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] Schedule of summary of loans Schedule Of Credit Losses Related To Financing Receivables, Current and Noncurrent [Table Text Block] Schedule of activity in the allowance for loan losses by portfolio segment Allowance For Credit Losses On Financing Receivables [Table Text Block] Schedule of allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method Impaired Financing Receivables [Table Text Block] Schedule of loans individually evaluated for impairment by class of loans Schedule Of Interest Income On Impaired Loans [Table Text Block] Schedule of interest income on impaired loans Tabular disclosure of interest income on impaired loans. Past Due Financing Receivables [Table Text Block] Schedule of aging of the recorded investment in past due loans Troubled Debt Restructuring's On Financing Receivables [Table Text Block] Schedule of details of TDRs Schedule Of Debtor Troubled Debt Restructuring, Current Period [Table Text Block] Schedule of loans by class modified as TDRs Financing Receivable Credit Quality Indicators [Table Text Block] Schedule of the risk category of loans by class of loans Schedule Of Fair Value, Assets and Liabilities Measured On Recurring Basis [Table Text Block] Schedule of balances of assets and liabilities measured at fair value on a recurring basis by level within the hierarchy Fair Value, Assets Measured On Recurring Basis, Unobservable Input Reconciliation [Table Text Block] Schedule of reconciliation and income statement classification of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) Fair Value Inputs, Assets, Quantitative Information [Table Text Block] Schedule of quantitative information about level 3 fair value measurements Fair Value Measurements, Nonrecurring [Table Text Block] Schedule of assets and liabilities measured on a non-recurring basis Fair Value Inputs Assets Quantitative Information On Non Recurring Basis [Table Text Block] Schedule of quantitative information about level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis Tabular disclosure of quantitative information about the inputs used in the fair value measurement of assets. 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Loans (Detail Textuals) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
Loans (Detail Textuals) $ in Thousands	Jun. 30, 2015 USD ($)	Jun. 30, 2014 USD ($)	Jun. 30, 2015 USD ($) Contract	Jun. 30, 2014 USD ($)	Dec. 31, 2014 USD ($) Contract
Financing Receivable, Impaired [Line Items]
Nonaccrual loans and loans period still accrual			90 days
Loans
Financing Receivable, Impaired [Line Items]
Post- modification outstanding recorded investment			$ 9,136		$ 9,669
Number of loans \| Contract			18		19
Interest rate reduction (in percent)			2.13%
Maturity date extensions			192 months
Increase in the allowance for loan losses			$ 53
Increase in charge-offs			53
Modification non-categorization as TDR, recorded investment	$ 1,870	$ 621	$ 4,019	$ 1,453
Minimum payment delays			30 days	30 days
Maximum delays in payment			3 months	3 months
Loans \| Residential Real Estate
Financing Receivable, Impaired [Line Items]
Number of loans \| Contract			1

XML 12 R48.htm IDEA: XBRL DOCUMENT

Stock-Based Compensation (Detail Textuals) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Mar. 19, 2014
Share-based Compensation [Abstract]
Number of shares granted to directors and executive officers			63,000
Total unrecognized compensation cost	$ 739
Recognized period of unrecognized compensation		19 months
Total fair value of shares vested	$ 567

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Investment Securities - Amortized cost and fair value of investment securities portfolio excluding equity securities (Details 2)
$ in Thousands

Jun. 30, 2015

USD ($)

Amortized cost available-for-sale:

One year or less $ 4,759

After one year through five years 98,801

After five years through ten years 186,480

After ten years 387,573

Amortized cost 677,613

Estimated fair value available-for-sale:

One year or less 4,804

After one year through five years 99,797

After five years through ten years 185,105

After ten years 387,357

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Jun. 30, 2014

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May. 31, 2011

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Swap

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Number of interest rate swaps | Swap 2

Notional amounts of interest rate swap $ 10,000 $ 10,000 $ 10,000

Interest expense on swap transaction 185 $ 186

Pledged with counter party $ 2,235

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Fair Value Measurements - Quantitative information about level 3 fair value measurements (Details 2) - USD ($)
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Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

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Other Comprehensive Income (Loss) - Summary of reclassifications out of accumulated other comprehensive income (Details 1) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]

Unrealized gains and losses on available-for-sale securities, Total before tax $ (7,729) $ 6,811 $ (3,466) $ 15,298

Amount reclassified from Accumulated Other Comprehensive Income

Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]

Unrealized gains and losses on available-for-sale securities, Total before tax (897) 26 (840) 277

Unrealized gains and losses on available-for-sale securities, Tax expense 291 (8) 271 (86)

Unrealized gains and losses on available-for-sale securities, Net of tax $ (606) $ 18 $ (569) $ 191

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Stock-Based Compensation - Summary of changes in nonvested shares (Details) - 6 months ended Jun. 30, 2015 - Restricted Stock - $ / shares

Total

Number of Shares

Nonvested at January 1, 2015 63,000

Granted

Vested (21,000)

Forfeited

Nonvested at June 30, 2015 42,000

Weighted Avg Grant-Date Fair Value

Nonvested at January 1, 2015 $ 21.60

Granted

Vested $ 21.60

Forfeited

Nonvested at June 30, 2015 $ 21.60

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Loans
6 Months Ended

Jun. 30, 2015

Receivables [Abstract]

Loans
Note 3 – Loans

The following table summarizes loans at June 30, 2015 and December 31, 2014.

June 30, 2015 December 31, 2014

(Dollars in thousands)

Commercial, financial, and agricultural $ 193,735 208,905

Real estate:

Commercial 375,225 371,488

Residential 207,067 204,097

Acquisition, development and construction
149,517 164,303

Consumer installment 16,863 17,248

$ 942,407 966,041

Less allowance for loan losses 23,372 25,506

Less deferred loan origination fees (costs) (130 ) (315 )

$ 919,165 940,850

The following tables present the activity in the allowance for loan losses by portfolio segment as of and for the three and six month periods ended June 30, 2015 and 2014.

Three Months Ended June 30, 2015

Commercial,

Financial, and CRE - Owner CRE - Non Owner Residential ADC ADC

Agricultural Occupied Occupied Real Estate CSRA Other Consumer Total

(Dollars in thousands)

Allowance for loan losses:

Beginning balance $ 5,295 5,373 3,838 6,355 1,631 2,197 702 25,391

Charge-offs (517 ) (74 ) — (245 ) (250 ) (20 ) (132 ) (1,238 )

Recoveries 187 1 — 1 — 1,666 54 1,909

Provision (538 ) 141 3 225 424 (2,922 ) (23 ) (2,690 )

Ending balance $ 4,427 5,441 3,841 6,336 1,805 921 601 23,372

Three Months Ended June 30, 2014

Commercial,

Financial, and CRE - Owner CRE - Non Owner Residential ADC ADC

Agricultural Occupied Occupied Real Estate CSRA Other Consumer Total

(Dollars in thousands)

Allowance for loan losses:

Beginning balance $ 5,570 6,036 3,073 5,503 2,757 2,789 572 26,300

Charge-offs (240 ) (18 ) — (84 ) (55 ) — (129 ) (526 )

Recoveries 15 4 — 19 — — 60 98

Provision 229 111 404 210 (191 ) 163 85 1,011

Ending balance $ 5,574 6,133 3,477 5,648 2,511 2,952 588 26,883

Six Months Ended June 30, 2015

Commercial,

Financial, and CRE - Owner CRE - Non Owner Residential ADC ADC

Agricultural Occupied Occupied Real Estate CSRA Other Consumer Total

(Dollars in thousands)

Allowance for loan losses:

Beginning balance $ 5,407 4,805 3,817 6,591 1,943 2,320 623 25,506

Charge-offs (1,134 ) (74 ) — (286 ) (255 ) (20 ) (261 ) (2,030 )

Recoveries 217 2 — 12 — 1,695 113 2,039

Provision (63 ) 708 24 19 117 (3,074 ) 126 (2,143 )

Ending balance $ 4,427 5,441 3,841 6,336 1,805 921 601 23,372

Six Months Ended June 30, 2014

Commercial,

Financial, and CRE - Owner CRE - Non Owner Residential ADC ADC

Agricultural Occupied Occupied Real Estate CSRA Other Consumer Total

(Dollars in thousands)

Allowance for loan losses:

Beginning balance $ 5,774 5,706 3,275 5,590 3,107 2,379 578 26,409

Charge-offs (375 ) (18 ) (718 ) (224 ) (151 ) (69 ) (286 ) (1,841 )

Recoveries 36 8 24 26 — — 153 247

Provision 139 437 896 256 (445 ) 642 143 2,068

Ending balance $ 5,574 6,133 3,477 5,648 2,511 2,952 588 26,883

The following tables present the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of June 30, 2015 and December 31, 2014.

June 30, 2015

Commercial,

Financial, and CRE - Owner CRE - Non Owner Residential ADC ADC

Agricultural Occupied Occupied Real Estate CSRA Other Consumer Total

(Dollars in thousands)

Allowance for loan losses:

Ending balance attributable to loans:

Individually evaluated for impairment $ — — — — — — — —

Collectively evaluated for impairment 4,427 5,441 3,841 6,336 1,805 921 601 23,372

$ 4,427 5,441 3,841 6,336 1,805 921 601 23,372

Loans:

Individually evaluated for impairment 1,072 276 7,520 2,295 2,541 64 1 13,769

Collectively evaluated for impairment 192,663 218,208 149,221 204,772 108,060 38,852 16,862 928,638

$ 193,735 218,484 156,741 207,067 110,601 38,916 16,863 942,407

December 31, 2014

Commercial,

Financial, and CRE - Owner CRE - Non Owner Residential ADC ADC

Agricultural Occupied Occupied Real Estate CSRA Other Consumer Total

(Dollars in thousands)

Allowance for loan losses:

Ending balance attributable to loans:

Individually evaluated for impairment $ 207 — — — — — — 207

Collectively evaluated for impairment 5,200 4,805 3,817 6,591 1,943 2,320 623 25,299

$ 5,407 4,805 3,817 6,591 1,943 2,320 623 25,506

Loans:

Individually evaluated for impairment 2,995 1,289 7,687 2,285 2,849 3,082 2 20,189

Collectively evaluated for impairment 205,910 218,619 143,893 201,812 107,235 51,137 17,246 945,852

$ 208,905 219,908 151,580 204,097 110,084 54,219 17,248 966,041

The following tables present loans individually evaluated for impairment by class of loans as of June 30, 2015 and December 31, 2014.

June 30, 2015

Unpaid Allowance for Average

Principal Recorded Loan Losses Recorded

Balance Investment (2) Allocated Investment

(Dollars in thousands)

With no related allowance recorded: (1)

Commercial, financial, and agricultural:

Commerical $ 1,987 882 — 1,660

Financial — — — —

Agricultural 252 190 — 196

Equity lines — — — —

Other — — — —

Commercial real estate:

Owner occupied 276 276 — 278

Non Owner occupied 7,754 7,520 — 7,602

Residential real estate:

Secured by first liens 2,879 2,195 — 2,384

Secured by junior liens 150 100 — 102

Acquisition, development and construction:

Residential — — — —

Other 3,580 2,605 — 2,865

Consumer 1 1 — 2

16,879 13,769 — 15,089

With an allowance recorded: — — — —

$ 16,879 13,769 — 15,089

(1) No specific allowance for credit losses is allocated to these loans since they are sufficiently collateralized or had charge-offs

(2) Excludes accrued interest receivable and loan origination fees, net due to immateriality



December 31, 2014

Unpaid Allowance for Average

Principal Recorded Loan Losses Recorded

Balance Investment (2) Allocated Investment

(Dollars in thousands)

With no related allowance recorded: (1)

Commercial, financial, and agricultural:

Commerical $ 2,000 611 — 1,805

Financial — — — —

Agricultural 263 206 — 231

Equity lines — — — —

Other — — — —

Commercial real estate:

Owner occupied 1,385 1,289 — 1,377

Non Owner occupied 7,907 7,687 — 7,792

Residential real estate:

Secured by first liens 2,711 2,181 — 2,229

Secured by junior liens 150 104 — 110

Acquisition, development and construction:

Residential — — — —

Other 8,518 5,931 — 7,326

Consumer 2 2 — 3

22,936 18,011 — 20,873

With an allowance recorded:

Commercial, financial, and agricultural:

Commerical 2,245 2,178 207 2,203

2,245 2,178 207 2,203

$ 25,181 20,189 207 23,076

(1) No specific allowance for credit losses is allocated to these loans since they are sufficiently collateralized or had charge-offs

(2) Excludes accrued interest receivable and loan origination fees, net due to immateriality



The following tables present interest income on impaired loans for the three and six months ended June 30, 2015 and 2014.

Three Months Ended June 30, 2015 Six Months Ended June 30, 2015

Interest Cash Basis Interest Cash Basis

Income Interest Income Income Interest Income

Recognized Recognized Recognized Recognized

(Dollars in thousands) (Dollars in thousands)

Commercial, financial, and agricultural:

Commerical $ — — — —

Financial — — — —

Agricultural — — — —

Equity lines — — — —

Other — — — —

Commercial real estate:

Owner occupied 3 3 6 6

Non Owner occupied 73 73 178 178

Residential real estate:

Secured by first liens 9 9 30 30

Secured by junior liens 1 1 3 3

Acquisition, development and construction:

Residential — — — —

Other 7 7 13 13

Consumer — — — —

$ 93 93 230 230

Three Months Ended June 30, 2014 Six Months Ended June 30, 2014

Interest Cash Basis Interest Cash Basis

Income Interest Income Income Interest Income

Recognized Recognized Recognized Recognized

(Dollars in thousands) (Dollars in thousands)

Commercial, financial, and agricultural:

Commerical $ — — — —

Financial — — — —

Agricultural — — — —

Equity lines — — — —

Other — — — —

Commercial real estate:

Owner occupied 3 3 7 7

Non Owner occupied 80 80 163 163

Residential real estate:

Secured by first liens 6 6 12 12

Secured by junior liens 1 1 3 3

Acquisition, development and construction:

Residential — — — —

Other 11 11 21 21

Consumer — — — —

$ 101 101 206 206

Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans.

The following tables present the aging of the recorded investment in past due loans as of June 30, 2015 and December 31, 2014 by class of loans.

June 30, 2015

30 - 89 Days 90 Days or Nonaccrual Total Loans Not

Past Due More Past Due Loans Past Due Past Due Total

(Dollars in thousands)

Commercial, financial, and agricultural:

Commerical $ 28 — 903 931 104,016 104,947

Financial — — — — 7,273 7,273

Agricultural 264 — 190 454 11,381 11,835

Equity lines 35 — 95 130 36,331 36,461

Other — — 69 69 33,150 33,219

Commercial real estate:

Owner occupied 5,167 — 300 5,467 213,017 218,484

Non Owner occupied — — 844 844 155,897 156,741

Residential real estate:

Secured by first liens 351 — 3,015 3,366 197,679 201,045

Secured by junior liens — — 336 336 5,686 6,022

Acquisition, development and construction:

Residential — — — — 43,884 43,884

Other 866 — 2,337 3,203 102,430 105,633

Consumer 46 — 69 115 16,748 16,863

$ 6,757 — 8,158 14,915 927,492 942,407

December 31, 2014

30 - 89 Days 90 Days or Nonaccrual Total Loans Not

Past Due More Past Due Loans Past Due Past Due Total

(Dollars in thousands)

Commercial, financial, and agricultural:

Commerical $ — — 2,865 2,865 119,815 122,680

Financial — — — — 9,355 9,355

Agricultural 276 — 206 482 9,315 9,797

Equity lines 33 — 318 351 33,298 33,649

Other — — 69 69 33,355 33,424

Commercial real estate:

Owner occupied 1,638 — 620 2,258 217,650 219,908

Non Owner occupied — — 877 877 150,703 151,580

Residential real estate:

Secured by first liens 2,919 — 3,451 6,370 190,970 197,340

Secured by junior liens 347 — 188 535 6,222 6,757

Acquisition, development and construction:

Residential — — — — 45,264 45,264

Other 258 — 5,874 6,132 112,907 119,039

Consumer 44 — 136 180 17,068 17,248

$ 5,515 — 14,604 20,119 945,922 966,041

Troubled Debt Restructurings:

The Company has troubled debt restructurings (TDRs) with a balance of $9,136 and $9,669 included in impaired loans at June 30, 2015 and December 31, 2014, respectively. No specific reserves were allocated to customers whose loan terms had been modified in TDRs as of June 30, 2015 and December 31, 2014. The Company is not committed to lend additional amounts as of June 30, 2015 and December 31, 2014 to customers with outstanding loans that are classified as TDRs.



The following tables present TDRs as of June 30, 2015 and December 31, 2014.

June 30, 2015

Number of Recorded

Loans Investment

(Dollars in thousands)

Troubled Debt Restructurings:

Commercial, financial, and agricultural:

Commerical - $ -

Financial - -

Agricultural - -

Equity lines - -

Other - -

Commercial real estate:

Owner occupied 1 276

Non Owner occupied 4 5,752

Residential real estate:

Secured by first liens 9 1,095

Secured by junior liens 1 100

Acquisition, development and construction:

Residential - -

Other 3 1,913

Consumer - -

18 $ 9,136

December 31, 2014

Number of Recorded

Loans Investment

(Dollars in thousands)

Troubled Debt Restructurings:

Commercial, financial, and agricultural:

Commerical - $ -

Financial - -

Agricultural - -

Equity lines - -

Other - -

Commercial real estate:

Owner occupied 2 354

Non Owner occupied 4 5,878

Residential real estate:

Secured by first liens 9 1,112

Secured by junior liens 1 104

Acquisition, development and construction:

Residential - -

Other 3 2,221

Consumer - -

19 $ 9,669



No loans were modified as TDRs during the six months ended June 30, 2015. One residential real estate loan was modified as a TDR during the six months ended June 30, 2014. This modification involved a 2.13% reduction of the stated interest rate of the loan and an extension of the maturity date for 192 months.

The following tables present loans by class modified as TDRs that occurred during the three and six months ended June 30, 2015 and 2014.

Three Months Ended June 30, 2015 Three Months Ended June 30, 2014

Pre-Modification Post-Modification Pre-Modification Post-Modification

Number of Outstanding Outstanding Number of Outstanding Outstanding

Loans Recorded Investment Recorded Investment Loans Recorded Investment Recorded Investment

(Dollars in thousands) (Dollars in thousands)

Troubled Debt Restructurings:

Commercial, financial, and agricultural:

Commerical - $ - $ - - $ - $ -

Financial - - - - - -

Agricultural - - - - - -

Equity lines - - - - - -

Other - - - - - -

Commercial real estate:

Owner occupied - - - - - -

Non Owner occupied - - - - - -

Residential real estate:

Secured by first liens - - - - - -

Secured by junior liens - - - - - -

Acquisition, development and construction:

Residential - - - - - -

Other - - - - - -

Consumer - - - - - -

- $ - $ - - $ - $ -



Six Months Ended June 30, 2015 Six Months Ended June 30, 2014

Pre-Modification Post-Modification Pre-Modification Post-Modification

Number of Outstanding Outstanding Number of Outstanding Outstanding

Loans Recorded Investment Recorded Investment Loans Recorded Investment Recorded Investment

(Dollars in thousands) (Dollars in thousands)

Troubled Debt Restructurings:

Commercial, financial, and agricultural:

Commerical - $ - $ - - $ - $ -

Financial - - - - - -

Agricultural - - - - - -

Equity lines - - - - - -

Other - - - - - -

Commercial real estate:

Owner occupied - - - - - -

Non Owner occupied - - - - - -

Residential real estate:

Secured by first liens - - - 1 287 220

Secured by junior liens - - - - - -

Acquisition, development and construction:

Residential - - - - - -

Other - - - - - -

Consumer - - - - - -

- $ - $ - 1 $ 287 $ 220

A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. There were no TDRs with payment defaults during the three and six months ended June 30, 2015 and June 31, 2014.



For the six months ended June 30, 2014, the TDR described in the previous table increased the allowance for loan losses by $53 and resulted in charge-offs of $53.

Charge-offs on such loans are factored into the rolling historical loss rate, which is used in the calculation of the allowance for loan losses.

The terms of certain other loans were modified during the three and six month periods ended June 30, 2015 and 2014 that did not meet the definition of a TDR. Loans modified during the three month periods have a total recorded investment as of June 30, 2015 and 2014 of $1,870 and $621, respectively, and had delays in payment of 30 days in 2015 and delays ranging from 30 days to 2 months in 2014. Loans modified during the six month periods have a total recorded investment as of June 30, 2015 and 2014 of $4,019 and $1,453, respectively, and had delays in payment ranging from 30 days to 3 months in 2015 and 2014. The modification of these loans involved either a modification of the terms of a loan to borrowers who were not experiencing financial difficulties or a delay in a payment that was considered to be insignificant.

In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy.

Credit Quality Indicators:

The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company, through its originating account officer, places an initial credit risk rating on every loan. An annual review and analysis of loan relationships (irrespective of loan types included in the overall relationship) with total related exposure of $500 or greater is performed by the Credit Administration department in order to update risk ratings given current available information.

Through the review of delinquency reports, updated financial statements or other relevant information in the normal course of business, the lending officer and/or Credit Administration review personnel may determine that a loan relationship has weakened to the point that a criticized (Watch grade) or classified (Substandard & Doubtful grades) status is warranted. When a loan relationship with total related exposure of $200 or greater is adversely graded (Watch or above), the lending officer is then charged with preparing a Classified/Watch report which outlines the background of the credit problem, current repayment status of the loans, current collateral evaluation and a workout plan of action. This plan may include goals to improve the credit rating, assisting the borrower in moving the loans to another institution and/or collateral liquidation. All such Classified/Watch reports are reviewed on a quarterly basis by members of Executive Management at a regularly scheduled meeting in which each lending officer presents the workout plans for their criticized credit relationships.

The Company uses the following definitions for risk ratings.

Watch: Loans classified as watch have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.



Substandard: Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.



Doubtful: Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.



Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. As of June 30, 2015 and December 31, 2014, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows.

June 30, 2015

Pass Watch Substandard Doubtful

(Dollars in thousands)

Commercial, financial, and agricultural:

Commerical $ 99,961 2,195 2,791 —

Financial 7,273 — — —

Agricultural 8,638 2,564 633 —

Equity lines 35,376 719 366 —

Other 32,814 336 69 —

Commercial real estate:

Owner occupied 196,336 15,262 6,886 —

Non Owner occupied 143,630 4,909 8,202 —

Residential real estate:

Secured by first liens 188,462 7,796 4,787 —

Secured by junior liens 5,197 194 631 —

Acquisition, development and construction:

Residential 43,781 103 — —

Other 96,258 6,233 3,142 —

Consumer 16,353 396 114 —

$ 874,079 40,707 27,621 —

December 31, 2014

Pass Watch Substandard Doubtful

(Dollars in thousands)

Commercial, financial, and agricultural:

Commerical $ 109,908 7,782 4,990 —

Financial 9,355 — — —

Agricultural 6,636 1,960 1,201 —

Equity lines 32,773 287 589 —

Other 33,012 343 69 —

Commercial real estate:

Owner occupied 201,840 14,593 3,475 —

Non Owner occupied 137,973 5,066 8,541 —

Residential real estate:

Secured by first liens 183,898 8,115 5,327 —

Secured by junior liens 6,125 149 483 —

Acquisition, development and construction:

Residential 45,264 — — —

Other 101,047 11,597 6,395 —

Consumer 16,919 154 175 —

$ 884,750 50,046 31,245 —

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Fair Value Measurements - Assets and liabilities measured at fair value on non-recurring basis (Details 3) - Fair Value, Measurements, Nonrecurring - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Estimate of fair value

Assets:

Total Assets $ 5,975 $ 12,102

Estimate of fair value | Impaired loans

Assets:

Total Assets 5,471 ^[1] 11,523

Estimate of fair value | Impaired loans | Commercial, financial, and agricultural

Assets:

Total Assets 882 ^[1] 2,582

Estimate of fair value | Impaired loans | Real estate: Commercial

Assets:

Total Assets 1,119 ^[1] 2,166

Estimate of fair value | Impaired loans | Real estate: Residential

Assets:

Total Assets 1,436 ^[1] 1,421

Estimate of fair value | Impaired loans | Acquisition, development and construction

Assets:

Total Assets 2,033 ^[1] 5,352

Estimate of fair value | Impaired loans | Consumer installment

Assets:

Total Assets 1 ^[1] 2

Estimate of fair value | Other real estate owned

Assets:

Total Assets 504 579

Estimate of fair value | Other real estate owned | Real estate: Commercial

Assets:

Total Assets 144 144

Estimate of fair value | Other real estate owned | Acquisition, development and construction

Assets:

Total Assets $ 360 $ 435

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

Assets:

Total Assets

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

Assets:

Total Assets

Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired loans | Commercial, financial, and agricultural

Assets:

Total Assets

Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired loans | Real estate: Commercial

Assets:

Total Assets

Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired loans | Real estate: Residential

Assets:

Total Assets

Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired loans | Acquisition, development and construction

Assets:

Total Assets

Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired loans | Consumer installment

Assets:

Total Assets

Quoted Prices in Active Markets for Identical Assets (Level 1) | Other real estate owned

Assets:

Total Assets

Quoted Prices in Active Markets for Identical Assets (Level 1) | Other real estate owned | Real estate: Commercial

Assets:

Total Assets

Quoted Prices in Active Markets for Identical Assets (Level 1) | Other real estate owned | Acquisition, development and construction

Assets:

Total Assets

Significant Other Observable Inputs (Level 2)

Assets:

Total Assets

Significant Other Observable Inputs (Level 2) | Impaired loans

Assets:

Total Assets

Significant Other Observable Inputs (Level 2) | Impaired loans | Commercial, financial, and agricultural

Assets:

Total Assets

Significant Other Observable Inputs (Level 2) | Impaired loans | Real estate: Commercial

Assets:

Total Assets

Significant Other Observable Inputs (Level 2) | Impaired loans | Real estate: Residential

Assets:

Total Assets

Significant Other Observable Inputs (Level 2) | Impaired loans | Acquisition, development and construction

Assets:

Total Assets

Significant Other Observable Inputs (Level 2) | Impaired loans | Consumer installment

Assets:

Total Assets

Significant Other Observable Inputs (Level 2) | Other real estate owned

Assets:

Total Assets

Significant Other Observable Inputs (Level 2) | Other real estate owned | Real estate: Commercial

Assets:

Total Assets

Significant Other Observable Inputs (Level 2) | Other real estate owned | Acquisition, development and construction

Assets:

Total Assets

Significant Unobservable Inputs (Level 3)

Assets:

Total Assets $ 5,975 $ 12,102

Significant Unobservable Inputs (Level 3) | Impaired loans

Assets:

Total Assets 5,471 ^[1] 11,523

Significant Unobservable Inputs (Level 3) | Impaired loans | Commercial, financial, and agricultural

Assets:

Total Assets 882 ^[1] 2,582

Significant Unobservable Inputs (Level 3) | Impaired loans | Real estate: Commercial

Assets:

Total Assets 1,119 ^[1] 2,166

Significant Unobservable Inputs (Level 3) | Impaired loans | Real estate: Residential

Assets:

Total Assets 1,436 ^[1] 1,421

Significant Unobservable Inputs (Level 3) | Impaired loans | Acquisition, development and construction

Assets:

Total Assets 2,033 ^[1] 5,352

Significant Unobservable Inputs (Level 3) | Impaired loans | Consumer installment

Assets:

Total Assets 1 ^[1] 2

Significant Unobservable Inputs (Level 3) | Other real estate owned

Assets:

Total Assets 504 579

Significant Unobservable Inputs (Level 3) | Other real estate owned | Real estate: Commercial

Assets:

Total Assets 144 144

Significant Unobservable Inputs (Level 3) | Other real estate owned | Acquisition, development and construction

Assets:

Total Assets $ 360 $ 435

[1] Includes loans directly charged down to fair value.

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Investment Securities (Detail Textuals 2)
$ in Thousands
6 Months Ended 12 Months Ended

Jun. 30, 2015

USD ($)

Security

Dec. 31, 2014

USD ($)

Security

Schedule of Available-for-sale Securities [Line Items]

Available-for-sale securities $ 677,063 $ 644,465

Corporate Securities

Schedule of Available-for-sale Securities [Line Items]

Number of available for sale securities held in portfolio | Security 47 45

Available-for-sale securities $ 102,567 $ 109,469

Number of securities in unrealized loss position | Security 31 25

Gross unrealized losses $ 941 $ 1,457

Number of securities with unrealized loss issued by entities rated lower medium investment grade or higher | Security 30 24

Unrealized loss on securities issued by entities rated lower medium investment grade or higher $ 821 $ 1,319

Corporate Securities | Level 3

Schedule of Available-for-sale Securities [Line Items]

Available for sale securities, fair value $ 112

Discount rate used in valuation model 10.00%

Trust preferred securities

Schedule of Available-for-sale Securities [Line Items]

Number of available for sale securities held in portfolio | Security 1 1

Available-for-sale securities $ 250 $ 250

Gross unrealized losses 120 138

Available for sale securities, fair value $ 130 $ 112

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Investment Securities (Detail Textuals 1) - Other Than Temporarily Impaired - Security

Jun. 30, 2015

Dec. 31, 2014

Schedule of Available-for-sale Securities [Line Items]

Number of available for sale securities held in portfolio 430 378

Number of securities in unrealized loss position 218 145

Percentage of securities with unrealized losses (in percent) 49.57% 45.99%

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Fair Value Measurements - Quantitative information about level 3 fair value measurements for financial instruments measured at fair value on non-recurring basis (Details 4) - Fair Value, Measurements, Nonrecurring - Fair Value, Inputs, Level 3 - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended

Jun. 30, 2015

Dec. 31, 2014

Assets:

Total Assets $ 5,975 $ 12,102

Impaired loans

Assets:

Total Assets 5,471 ^[1] 11,523

Impaired loans | Commercial, financial, and agricultural

Assets:

Total Assets $ 882 ^[1] $ 2,582

Impaired loans | Commercial, financial, and agricultural | Sales comparison | Minimum

Assets:

Adjustment for differences between the comparable sales 0.00% 7.00%

Impaired loans | Commercial, financial, and agricultural | Sales comparison | Maximum

Assets:

Adjustment for differences between the comparable sales 30.00% 50.00%

Impaired loans | Commercial, financial, and agricultural | Sales comparison | Weighted Avg

Assets:

Adjustment for differences between the comparable sales 15.00% 28.50%

Impaired loans | Commercial, financial, and agricultural | Income approach

Assets:

Capitalization rate 10.82% 9.39%

Impaired loans | Real estate: Commercial

Assets:

Total Assets $ 1,119 ^[1] $ 2,166

Impaired loans | Real estate: Commercial | Sales comparison | Minimum

Assets:

Adjustment for differences between the comparable sales 0.00% 0.00%

Impaired loans | Real estate: Commercial | Sales comparison | Maximum

Assets:

Adjustment for differences between the comparable sales 70.99% 70.99%

Impaired loans | Real estate: Commercial | Sales comparison | Weighted Avg

Assets:

Adjustment for differences between the comparable sales 20.73% 19.92%

Impaired loans | Real estate: Commercial | Income approach | Minimum

Assets:

Capitalization rate 8.25% 8.25%

Impaired loans | Real estate: Commercial | Income approach | Maximum

Assets:

Capitalization rate 9.29% 10.00%

Impaired loans | Real estate: Commercial | Income approach | Weighted Avg

Assets:

Capitalization rate 8.84% 8.97%

Impaired loans | Real estate: Residential

Assets:

Total Assets $ 1,436 ^[1] $ 1,421

Impaired loans | Real estate: Residential | Sales comparison | Minimum

Assets:

Adjustment for differences between the comparable sales 0.00% 1.30%

Impaired loans | Real estate: Residential | Sales comparison | Maximum

Assets:

Adjustment for differences between the comparable sales 37.00% 24.46%

Impaired loans | Real estate: Residential | Sales comparison | Weighted Avg

Assets:

Adjustment for differences between the comparable sales 8.71% 7.24%

Impaired loans | Acquisition, development and construction

Assets:

Total Assets $ 2,033 ^[1] $ 5,352

Impaired loans | Acquisition, development and construction | Sales comparison | Minimum

Assets:

Adjustment for differences between the comparable sales 0.00% 0.00%

Impaired loans | Acquisition, development and construction | Sales comparison | Maximum

Assets:

Adjustment for differences between the comparable sales 161.40% 161.40%

Impaired loans | Acquisition, development and construction | Sales comparison | Weighted Avg

Assets:

Adjustment for differences between the comparable sales 33.97% 28.55%

Impaired loans | Acquisition, development and construction | Income approach | Minimum

Assets:

Discount rate 9.50%

Impaired loans | Acquisition, development and construction | Income approach | Maximum

Assets:

Discount rate 10.00%

Impaired loans | Acquisition, development and construction | Income approach | Weighted Avg

Assets:

Discount rate 9.69%

Impaired loans | Consumer installment

Assets:

Total Assets $ 1 ^[1] $ 2

Other real estate owned

Assets:

Total Assets 504 579

Other real estate owned | Real estate: Commercial

Assets:

Total Assets $ 144 $ 144

Other real estate owned | Real estate: Commercial | Sales comparison | Minimum

Assets:

Adjustment for differences between the comparable sales 0.00% 0.00%

Other real estate owned | Real estate: Commercial | Sales comparison | Maximum

Assets:

Adjustment for differences between the comparable sales 25.00% 25.00%

Other real estate owned | Real estate: Commercial | Sales comparison | Weighted Avg

Assets:

Adjustment for differences between the comparable sales 12.50% 12.50%

Other real estate owned | Acquisition, development and construction

Assets:

Total Assets $ 360 $ 435

Other real estate owned | Acquisition, development and construction | Sales comparison | Minimum

Assets:

Adjustment for differences between the comparable sales 10.00% 5.00%

Other real estate owned | Acquisition, development and construction | Sales comparison | Maximum

Assets:

Adjustment for differences between the comparable sales 42.00% 60.00%

Other real estate owned | Acquisition, development and construction | Sales comparison | Weighted Avg

Assets:

Adjustment for differences between the comparable sales 26.00% 27.12%

[1] Includes loans directly charged down to fair value.

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Loans - Summary of loans (Details) - USD ($)
$ in Thousands

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2014

Jun. 30, 2014

Mar. 31, 2014

Dec. 31, 2013

Real estate:

Less allowance for loan losses $ 23,372 $ 25,506

Loans, net 919,165 940,850

Loans

Accounts, Notes, Loans and Financing Receivable [Line Items]

Commercial, financial, and agricultural 193,735 208,905

Real estate:

Commercial 375,225 371,488

Residential 207,067 204,097

Acquisition, development and construction 149,517 164,303

Consumer installment 16,863 17,248

Loans 942,407 966,041

Less allowance for loan losses 23,372 $ 25,391 25,506 $ 26,883 $ 26,300 $ 26,409

Less deferred loan origination fees (costs) (130) (315)

Loans, net $ 919,165 $ 940,850

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Loans - Activity in allowance for loan losses by portfolio segment (Details 1) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Allowance for loan losses:

Beginning balance $ 25,506

Ending balance $ 23,372 23,372

Loans

Allowance for loan losses:

Beginning balance 25,391 $ 26,300 25,506 $ 26,409

Charge-offs (1,238) (526) (2,030) (1,841)

Recoveries 1,909 98 2,039 247

Provision (2,690) 1,011 (2,143) 2,068

Ending balance 23,372 26,883 23,372 26,883

Loans | Commercial, Financial, and Agricultural

Allowance for loan losses:

Beginning balance 5,295 5,570 5,407 5,774

Charge-offs (517) (240) (1,134) (375)

Recoveries 187 15 217 36

Provision (538) 229 (63) 139

Ending balance 4,427 5,574 4,427 5,574

Loans | CRE - Owner Occupied

Allowance for loan losses:

Beginning balance 5,373 6,036 4,805 5,706

Charge-offs (74) (18) (74) (18)

Recoveries 1 4 2 8

Provision 141 111 708 437

Ending balance 5,441 6,133 5,441 6,133

Loans | CRE - Non Owner Occupied

Allowance for loan losses:

Beginning balance $ 3,838 $ 3,073 $ 3,817 3,275

Charge-offs (718)

Recoveries 24

Provision $ 3 $ 404 $ 24 896

Ending balance 3,841 3,477 3,841 3,477

Loans | Residential Real Estate

Allowance for loan losses:

Beginning balance 6,355 5,503 6,591 5,590

Charge-offs (245) (84) (286) (224)

Recoveries 1 19 12 26

Provision 225 210 19 256

Ending balance 6,336 5,648 6,336 5,648

Loans | ADC CSRA

Allowance for loan losses:

Beginning balance 1,631 2,757 1,943 3,107

Charge-offs $ (250) $ (55) $ (255) $ (151)

Recoveries

Provision $ 424 $ (191) $ 117 $ (445)

Ending balance 1,805 2,511 1,805 2,511

Loans | ADC Other

Allowance for loan losses:

Beginning balance 2,197 $ 2,789 2,320 2,379

Charge-offs (20) (20) $ (69)

Recoveries 1,666 1,695

Provision (2,922) $ 163 (3,074) $ 642

Ending balance 921 2,952 921 2,952

Loans | Consumer

Allowance for loan losses:

Beginning balance 702 572 623 578

Charge-offs (132) (129) (261) (286)

Recoveries 54 60 113 153

Provision (23) 85 126 143

Ending balance $ 601 $ 588 $ 601 $ 588

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Investment Securities
6 Months Ended

Jun. 30, 2015

Investments, Debt and Equity Securities [Abstract]

Investment Securities
Note 2 – Investment Securities

All investment securities held at June 30, 2015 and December 31, 2014 are classified as available-for-sale.

The following tables summarize the amortized cost and fair value of the available-for-sale investment securities portfolio at June 30, 2015 and December 31, 2014 and the corresponding amounts of unrealized gains and losses therein.

June 30, 2015

Gross Gross

Amortized unrealized unrealized Estimated

cost gains losses fair value

Available-for-sale (Dollars in thousands)

Obligations of U.S. Government agencies
$ 194,100 414 (1,983 ) 192,531

Obligations of states and political subdivisions
126,094 2,666 (1,159 ) 127,601

Mortgage backed securities

U.S. GSE’s* MBS - residential 118,416 1,057 (1,052 ) 118,421

U.S. GSE’s CMO 136,331 708 (1,096 ) 135,943

Corporate bonds 102,672 836 (941 ) 102,567

$ 677,613 5,681 (6,231 ) 677,063

* Government sponsored entities

December 31, 2014

Gross Gross

Amortized unrealized unrealized Estimated

cost gains losses fair value

Available-for-sale (Dollars in thousands)

Obligations of U.S. Government agencies
$ 181,104 307 (2,667 ) 178,744

Obligations of states and political subdivisions
98,538 3,400 (183 ) 101,755

Mortgage backed securities

U.S. GSE’s MBS - residential 128,891 1,672 (527 ) 130,036

U.S. GSE’s CMO 123,921 983 (443 ) 124,461

Corporate bonds 109,936 990 (1,457 ) 109,469

$ 642,390 7,352 (5,277 ) 644,465

As of June 30, 2015, except for the U.S. Government agencies and government sponsored entities, there was no issuer who represented 10% or more of stockholders’ equity within the investment portfolio.

As of December 31, 2014, except for the U.S. Government agencies and government sponsored entities, there was no issuer who represented 10% or more of stockholders’ equity within the investment portfolio.

Proceeds from sales of securities available-for-sale and the associated gains (losses), excluding gains (losses) on called securities, for the three and six months ended June 30, 2015 and 2014 were as follows:

Three Months Ended Six Months Ended

June 30, June 30,

2015 2014 2015 2014

(Dollars in thousands) (Dollars in thousands)

Proceeds $ 53,848 $ 34,609 $ 77,148 $ 77,968

Gross Gains 111 438 219 910

Gross Losses (1,008 ) (412 ) (1,059 ) (633 )

The amortized cost and fair value of the investment securities portfolio, excluding equity securities, are shown below by contractual maturity. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties.

June 30, 2015

Amortized Estimated

cost fair value

(Dollars in thousands)

Available-for-sale:

One year or less $ 4,759 4,804

After one year through five years 98,801 99,797

After five years through ten years 186,480 185,105

After ten years 387,573 387,357

$ 677,613 677,063

The following tables summarize the investment securities with unrealized losses at June 30, 2015 and December 31, 2014, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position.

June 30, 2015

Less than 12 months 12 months or longer Total

Estimated Unrealized Estimated Unrealized Estimated Unrealized

fair value loss fair value loss fair value loss

Temporarily impaired (Dollars in thousands)

Obligations of U.S. Government agencies
$ 47,395 300 78,689 1,683 126,084 1,983

Obligations of states and political subdivisions
49,949 1,042 3,426 117 53,375 1,159

Mortgage backed securities

U.S. GSE’s MBS - residential 42,756 730 11,907 322 54,663 1,052

U.S. GSE’s CMO 72,520 894 7,203 202 79,723 1,096

Corporate bonds 47,816 529 15,245 412 63,061 941

$ 260,436 3,495 116,470 2,736 376,906 6,231

December 31, 2014

Less than 12 months 12 months or longer Total

Estimated Unrealized Estimated Unrealized Estimated Unrealized

fair value loss fair value loss fair value loss

Temporarily impaired (Dollars in thousands)

Obligations of U.S. Government agencies
$ 19,108 98 112,541 2,569 131,649 2,667

Obligations of states and political subdivisions
11,285 49 6,048 134 17,333 183

Mortgage backed securities

U.S. GSE’s MBS - residential 9,041 44 35,529 483 44,570 527

U.S. GSE’s CMO 36,594 216 18,205 227 54,799 443

Corporate bonds 29,769 204 29,421 1,253 59,190 1,457

$ 105,797 611 201,744 4,666 307,541 5,277

Other-Than-Temporary Impairment – June 30, 2015

Management evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Investment securities classified as available-for-sale or held-to-maturity are generally evaluated for OTTI under the provisions of ASC 320-10, Investments – Debt and Equity Securities. In determining OTTI, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the entity has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time.

When OTTI occurs, the amount of the OTTI recognized in earnings depends on whether an entity intends to sell the security or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis. If an entity intends to sell or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, the OTTI shall be recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. If an entity does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis, the OTTI shall be separated into the amount representing the credit loss and the amount related to all other factors. The amount of the total OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of the total OTTI related to other factors is recognized in other comprehensive income or loss, net of applicable taxes. The previous amortized cost basis less the OTTI recognized in earnings becomes the new amortized cost basis of the investment.



As of June 30, 2015, the Company’s security portfolio consisted of 430 securities, 218 of which were in an unrealized loss position. Of these securities with unrealized losses, 49.57% were related to the Company’s mortgage-backed and corporate securities as discussed below.

Mortgage-backed Securities

At June 30, 2015, all of the Company’s mortgage-backed securities were issued by U.S. government-sponsored entities and agencies, primarily the Federal National Mortgage Association (“Fannie Mae”), the Federal Home Loan Mortgage Corporation (“Freddie Mac”) and the Government National Mortgage Association (“Ginnie Mae”), institutions which the government has affirmed its commitment to support. Because the decline in fair value is attributable to changes in interest rates and illiquidity, and not credit quality, and because the Company does not have the intent to sell these mortgage-backed securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at June 30, 2015.

Corporate Securities

The Company holds forty-seven corporate securities totaling $102,567, of which thirty-one had an unrealized loss of $941 at June 30, 2015. Thirty of the securities with an unrealized loss of $821 were issued by entities rated lower medium investment grade or higher. Because the decline in fair value is attributable primarily to changes in interest rates and not credit quality and because the Company does not have the intent to sell the securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at June 30, 2015.

Included in the Company’s corporate bonds is one trust preferred security with an amortized cost of $250, which had an unrealized loss of $120, resulting in a fair value of $130 at June 30, 2015. This security is not rated. Although the issuer is not in default, in January of 2011 the Company was notified that the issuer had elected to defer interest payments in accordance with the terms of the instrument. As of July of 2015, the issuer is no longer deferring interest and is current on all payments. Because the Company does not have the intent to sell this security and it is likely that it will not be required to sell the security before its anticipated recovery, the Company does not consider this security to be other-than-temporarily impaired at June 30, 2015.

There were no credit losses recognized in earnings for the six month periods ended June 30, 2015 and 2014.

Other-Than-Temporary Impairment – December 31, 2014

As of December 31, 2014, the Company’s security portfolio consisted of 378 securities, 145 of which were in an unrealized loss position. Of these securities with unrealized losses, 45.99% were related to the Company’s mortgage backed and corporate securities as discussed below.

Mortgage-backed Securities

At December 31, 2014, all of the Company’s mortgage-backed securities were issued by U.S. government-sponsored entities and agencies, primarily the Federal National Mortgage Association (“Fannie Mae”), the Federal Home Loan Mortgage Corporation (“Freddie Mac”) and the Government National Mortgage Association (“Ginnie Mae”), institutions which the government has affirmed its commitment to support. Because the decline in fair value is attributable to changes in interest rates and illiquidity, and not credit quality, and because the Company does not have the intent to sell these mortgage-backed securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2014.

Corporate Securities

The Company holds forty-five corporate securities totaling $109,469, of which twenty-five had an unrealized loss of $1,457 at December 31, 2014. Twenty-four of the securities with an unrealized loss of $1,319 were issued by entities rated lower medium investment grade or higher. Because the decline in fair value is attributable primarily to changes in interest rates and not credit quality and because the Company does not have the intent to sell the securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2014.

Included in the Company’s corporate bonds is one trust preferred security with an amortized cost of $250, which had an unrealized loss of $138, resulting in a fair value of $112 at December 31, 2014. This security is not rated. Although the issuer is not in default, in January of 2011 the Company was notified that the issuer had elected to defer interest payments in accordance with the terms of the instrument. As of July 2015, the issuer is no longer deferring interest and is current on all payments. Because the Company does not have the intent to sell this security and it is likely that it will not be required to sell the security before its anticipated recovery, the Company does not consider this security to be other-than-temporarily impaired at December 31, 2014.

At December 31, 2014, the fair value of this same corporate security totaling $112 was measured using Level 3 inputs because the market for it has become illiquid, as indicated by few, if any, trades during the period. The discount rate used in the valuation model was based on a yield of 10% that the market would require for corporate debt obligations with maturities and risk characteristics similar to the subordinated debenture being measured.

There were no credit losses recognized in earnings for the year ended December 31, 2014.

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Loans - Allowance for loan losses and recorded investment in loans by portfolio segment and based on impairment method (Details 2) - USD ($)
$ in Thousands

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2014

Jun. 30, 2014

Mar. 31, 2014

Dec. 31, 2013

Allowance for loan losses:

Allowance for loan losses $ 23,372 $ 25,506

Loans

Allowance for loan losses:

Individually evaluated for impairment 207

Collectively evaluated for impairment $ 23,372 25,299

Allowance for loan losses 23,372 $ 25,391 25,506 $ 26,883 $ 26,300 $ 26,409

Loans:

Individually evaluated for impairment 13,769 20,189

Collectively evaluated for impairment 928,638 945,852

Loans $ 942,407 966,041

Loans | Commercial, Financial, and Agricultural

Allowance for loan losses:

Individually evaluated for impairment 207

Collectively evaluated for impairment $ 4,427 5,200

Allowance for loan losses 4,427 5,295 5,407 5,574 5,570 5,774

Loans:

Individually evaluated for impairment 1,072 2,995

Collectively evaluated for impairment 192,663 205,910

Loans $ 193,735 $ 208,905

Loans | CRE - Owner Occupied

Allowance for loan losses:

Individually evaluated for impairment

Collectively evaluated for impairment $ 5,441 $ 4,805

Allowance for loan losses 5,441 5,373 4,805 6,133 6,036 5,706

Loans:

Individually evaluated for impairment 276 1,289

Collectively evaluated for impairment 218,208 218,619

Loans $ 218,484 $ 219,908

Loans | CRE - Non Owner Occupied

Allowance for loan losses:

Individually evaluated for impairment

Collectively evaluated for impairment $ 3,841 $ 3,817

Allowance for loan losses 3,841 3,838 3,817 3,477 3,073 3,275

Loans:

Individually evaluated for impairment 7,520 7,687

Collectively evaluated for impairment 149,221 143,893

Loans $ 156,741 $ 151,580

Loans | Residential Real Estate

Allowance for loan losses:

Individually evaluated for impairment

Collectively evaluated for impairment $ 6,336 $ 6,591

Allowance for loan losses 6,336 6,355 6,591 5,648 5,503 5,590

Loans:

Individually evaluated for impairment 2,295 2,285

Collectively evaluated for impairment 204,772 201,812

Loans $ 207,067 $ 204,097

Loans | ADC CSRA

Allowance for loan losses:

Individually evaluated for impairment

Collectively evaluated for impairment $ 1,805 $ 1,943

Allowance for loan losses 1,805 1,631 1,943 2,511 2,757 3,107

Loans:

Individually evaluated for impairment 2,541 2,849

Collectively evaluated for impairment 108,060 107,235

Loans $ 110,601 $ 110,084

Loans | ADC Other

Allowance for loan losses:

Individually evaluated for impairment

Collectively evaluated for impairment $ 921 $ 2,320

Allowance for loan losses 921 2,197 2,320 2,952 2,789 2,379

Loans:

Individually evaluated for impairment 64 3,082

Collectively evaluated for impairment 38,852 51,137

Loans $ 38,916 $ 54,219

Loans | Consumer

Allowance for loan losses:

Individually evaluated for impairment

Collectively evaluated for impairment $ 601 $ 623

Allowance for loan losses 601 $ 702 623 $ 588 $ 572 $ 578

Loans:

Individually evaluated for impairment 1 2

Collectively evaluated for impairment 16,862 17,246

Loans $ 16,863 $ 17,248

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Fair Value Measurements - Balances of assets and liabilities measured at fair value on recurring basis (Details) - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Assets:

Available-for-sale securities $ 677,063 $ 644,465

Fair value, recurring basis | Estimate of fair value

Assets:

Available-for-sale securities 677,063 644,465

Loans held for sale 26,469 18,365

Mortgage banking derivatives 50 6

Total Assets 703,582 662,836

Liabilities:

Interest rate swap derivatives 1,717 1,959

Total Liabilities 1,717 1,959

Fair value, recurring basis | Estimate of fair value | Obligations of U.S. Government agencies

Assets:

Available-for-sale securities 192,531 178,744

Fair value, recurring basis | Estimate of fair value | Obligations of states and political subdivisions

Assets:

Available-for-sale securities 127,601 101,755

Fair value, recurring basis | Estimate of fair value | U.S. GSE's MBS - residential

Assets:

Available-for-sale securities 118,421 130,036

Fair value, recurring basis | Estimate of fair value | U.S. GSE's CMO

Assets:

Available-for-sale securities 135,943 124,461

Fair value, recurring basis | Estimate of fair value | Corporate bonds

Assets:

Available-for-sale securities $ 102,567 $ 109,469

Fair value, recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1)

Assets:

Available-for-sale securities

Loans held for sale

Mortgage banking derivatives

Total Assets

Liabilities:

Interest rate swap derivatives

Total Liabilities

Fair value, recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Obligations of U.S. Government agencies

Assets:

Available-for-sale securities

Fair value, recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Obligations of states and political subdivisions

Assets:

Available-for-sale securities

Fair value, recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. GSE's MBS - residential

Assets:

Available-for-sale securities

Fair value, recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. GSE's CMO

Assets:

Available-for-sale securities

Fair value, recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Corporate bonds

Assets:

Available-for-sale securities

Fair value, recurring basis | Significant Other Observable Inputs (Level 2)

Assets:

Available-for-sale securities $ 677,063 $ 644,353

Loans held for sale 26,469 18,365

Mortgage banking derivatives 50 6

Total Assets 703,582 662,724

Liabilities:

Interest rate swap derivatives 1,717 1,959

Total Liabilities 1,717 1,959

Fair value, recurring basis | Significant Other Observable Inputs (Level 2) | Obligations of U.S. Government agencies

Assets:

Available-for-sale securities 192,531 178,744

Fair value, recurring basis | Significant Other Observable Inputs (Level 2) | Obligations of states and political subdivisions

Assets:

Available-for-sale securities 127,601 101,755

Fair value, recurring basis | Significant Other Observable Inputs (Level 2) | U.S. GSE's MBS - residential

Assets:

Available-for-sale securities 118,421 130,036

Fair value, recurring basis | Significant Other Observable Inputs (Level 2) | U.S. GSE's CMO

Assets:

Available-for-sale securities 135,943 124,461

Fair value, recurring basis | Significant Other Observable Inputs (Level 2) | Corporate bonds

Assets:

Available-for-sale securities $ 102,567 109,357

Fair value, recurring basis | Significant Unobservable Inputs (Level 3)

Assets:

Available-for-sale securities $ 112

Loans held for sale

Mortgage banking derivatives

Total Assets $ 112

Liabilities:

Interest rate swap derivatives

Total Liabilities

Fair value, recurring basis | Significant Unobservable Inputs (Level 3) | Obligations of U.S. Government agencies

Assets:

Available-for-sale securities

Fair value, recurring basis | Significant Unobservable Inputs (Level 3) | Obligations of states and political subdivisions

Assets:

Available-for-sale securities

Fair value, recurring basis | Significant Unobservable Inputs (Level 3) | U.S. GSE's MBS - residential

Assets:

Available-for-sale securities

Fair value, recurring basis | Significant Unobservable Inputs (Level 3) | U.S. GSE's CMO

Assets:

Available-for-sale securities

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Dividends (Detail Textuals) - $ / shares
1 Months Ended

Jan. 14, 2015

Jul. 22, 2015

Apr. 22, 2015

Subsequent Event [Line Items]

Cash dividend declared, per share $ 0.15 $ 0.15

Cash dividend, date declared Jan. 14, 2015 Apr. 22, 2015

Cash dividend, date to be paid Feb. 13, 2015 May 22, 2015

Cash dividend, date of record Jan. 30, 2015 May 08, 2015

Subsequent Event

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Cash dividend, date declared Jul. 22, 2015

Cash dividend, date to be paid Aug. 21, 2015

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Consolidated Balance Sheets - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Assets

Cash and due from banks $ 74,602 $ 33,286

Interest-bearing deposits in other banks 3,541 2,709

Cash and cash equivalents 78,143 35,995

Available-for-sale securities 677,063 644,465

Loans held for sale, at fair value 26,469 18,365

Loans 942,537 966,356

Less allowance for loan losses 23,372 25,506

Loans, net 919,165 940,850

Premises and equipment, net 27,723 27,842

Accrued interest receivable 5,982 5,898

Bank-owned life insurance 37,467 36,908

Restricted equity securities 3,936 4,398

Other real estate owned 922 1,107

Deferred tax asset 15,722 15,263

Other assets 2,372 1,690

Total assets 1,794,964 1,732,781

Deposits

Noninterest-bearing 227,261 196,624

Interest-bearing:

NOW accounts 391,651 354,038

Savings 539,023 521,570

Money management accounts 14,623 15,824

Time deposits 361,777 375,808

Total deposits 1,534,335 1,463,864

Securities sold under repurchase agreements 649 10,678

Advances from Federal Home Loan Bank 56,000 64,000

Accrued interest payable and other liabilities 19,137 18,953

Due to broker 2,844

Subordinated debentures 20,000 20,000

Total liabilities $ 1,632,965 $ 1,577,495

Stockholders' equity:

Preferred stock, no par value; 10,000,000 shares authorized; 0 shares outstanding in 2015 and 2014, respectively

Common stock, $3.00 par value; 10,000,000 shares authorized; 6,744,891 and 6,744,891 shares issued in 2015 and 2014, respectively; 6,744,843 and 6,744,160 shares outstanding in 2015 and 2014, respectively $ 20,235 $ 20,235

Additional paid-in capital 63,377 63,096

Retained earnings 79,774 71,902

Treasury stock, at cost; 48 and 731 shares in 2015 and 2014, respectively (1) (18)

Accumulated other comprehensive (loss) income, net (1,386) 71

Total stockholders' equity 161,999 155,286

Total liabilities and stockholders' equity $ 1,794,964 $ 1,732,781

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XML 36 R45.htm IDEA: XBRL DOCUMENT v3.2.0.727

Fair Value Measurements - Carrying amounts and estimated fair values of Company's financial instruments (Details 5) - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Jun. 30, 2014

Dec. 31, 2013

Financial assets:

Cash and cash equivalents $ 78,143 $ 35,995 $ 81,035 $ 47,336

Carrying amount

Financial assets:

Cash and cash equivalents 78,143 35,995

Loans, net 913,694 929,327

Restricted equity securities 3,936 4,398

Accrued interest receivable 5,982 5,898

Financial liabilities:

Deposits with stated maturities 361,777 375,808

Deposits without stated maturities 1,172,558 1,088,056

Securities sold under repurchase agreements 649 10,678

Advances from FHLB 56,000 64,000

Subordinated debentures 20,000 20,000

Fair value, recurring basis | Estimate of fair value

Financial assets:

Cash and cash equivalents 78,143 35,995

Loans, net 914,721 $ 925,997

Restricted equity securities

Accrued interest receivable 5,982 $ 5,898

Financial liabilities:

Deposits with stated maturities 364,391 376,607

Deposits without stated maturities 1,172,558 1,088,056

Securities sold under repurchase agreements 649 10,678

Advances from FHLB 58,351 67,551

Subordinated debentures 14,974 14,886

Fair value, recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1)

Financial assets:

Cash and cash equivalents $ 78,143 $ 35,995

Loans, net

Restricted equity securities

Accrued interest receivable

Financial liabilities:

Deposits with stated maturities

Deposits without stated maturities $ 1,172,558 $ 1,088,056

Securities sold under repurchase agreements $ 649 $ 10,678

Advances from FHLB

Subordinated debentures

Fair value, recurring basis | Significant Other Observable Inputs (Level 2)

Financial assets:

Cash and cash equivalents

Loans, net

Restricted equity securities

Accrued interest receivable $ 3,474 $ 3,140

Financial liabilities:

Deposits with stated maturities $ 364,391 $ 376,607

Deposits without stated maturities

Securities sold under repurchase agreements

Advances from FHLB $ 58,351 $ 67,551

Subordinated debentures

Fair value, recurring basis | Fair Value, Inputs, Level 3

Financial assets:

Cash and cash equivalents

Loans, net $ 914,721 $ 925,997

Restricted equity securities

Accrued interest receivable $ 2,508 $ 2,758

Financial liabilities:

Deposits with stated maturities

Deposits without stated maturities

Securities sold under repurchase agreements

Advances from FHLB

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XML 37 R6.htm IDEA: XBRL DOCUMENT v3.2.0.727

Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Cash flows from operating activities:

Net income $ 9,896 $ 7,850

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

Depreciation 1,097 1,007

Deferred income tax expense (benefit) 468 (490)

Provision (Credit) for loan losses (2,143) 2,068

Net investment securities losses (gains) 840 (277)

Net amortization of premiums on investment securities 1,921 2,465

Earnings from CSV of bank-owned life insurance (559) (559)

Stock-based compensation expense 233 155

Prepayment fees on Federal Home Loan Bank advances 955

Loss (gain) on disposal of premises and equipment 61 (12)

Gain on the sale of other real estate (114) (32)

Provision for other real estate valuation allowance 2 19

Gain on sales of loans (3,312) (2,192)

Real estate loans originated for sale (108,540) (77,949)

Proceeds from sales of real estate loans 103,748 66,560

(Increase) decrease in accrued interest receivable (84) 234

(Increase) decrease in other assets (682) 3,587

Increase in accrued interest payable and other liabilities 426 228

Net cash provided by operating activities 4,213 2,662

Cash flows from investing activities:

Proceeds from sales of available-for-sale securities 77,148 77,968

Proceeds from maturities and calls of available-for-sale securities 39,997 33,231

Purchase of available-for-sale securities (152,285) (95,986)

Proceeds from redemption of FHLB stock 500 471

Purchase of FHLB stock (38)

Net decrease (increase) in loans 23,719 (57,090)

Additions to premises and equipment (1,098) (1,421)

Proceeds from sale of other real estate 405 225

Proceeds from sale of premises and equipment 59 50

Net cash used in investing activities (11,593) (42,552)

Cash flows from financing activities:

Net increase in deposits 70,471 77,009

Net decrease in securities sold under repurchase agreements (10,029) (155)

Payments of Federal Home Loan Bank advances (8,955)

Purchase of treasury stock (11)

Payments on subordinated debentures (1,547)

Payment of cash dividends (2,023) (1,745)

Tax benefit from stock-based compensation 46

Proceeds from Directors' stock purchase plan 29 27

Net cash provided by financing activities 49,528 73,589

Net increase in cash and cash equivalents 42,148 33,699

Cash and cash equivalents at beginning of period 35,995 47,336

Cash and cash equivalents at end of period 78,143 81,035

Supplemental disclosures of cash paid during the period for:

Interest 4,385 4,516

Income taxes 4,287 3,670

Supplemental information on noncash investing activities:

Loans transferred to other real estate owned 500 $ 698

Loans provided for sales of other real estate owned 392

Due to broker $ 2,844

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Loans - Aging of recorded investment in past due loans (Details 5) - Loans - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]

30 - 89 Days Past Due $ 6,757 $ 5,515

90 Days or More Past Due

Nonaccrual Loans $ 8,158 $ 14,604

Total Past Due 14,915 20,119

Loans Not Past Due 927,492 945,922

Loans 942,407 $ 966,041

Commercial, financial, and agricultural - Commercial

Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]

30 - 89 Days Past Due $ 28

90 Days or More Past Due

Nonaccrual Loans $ 903 $ 2,865

Total Past Due 931 2,865

Loans Not Past Due 104,016 119,815

Loans $ 104,947 $ 122,680

Commercial, financial, and agricultural - Financial

Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]

30 - 89 Days Past Due

90 Days or More Past Due

Nonaccrual Loans

Total Past Due

Loans Not Past Due $ 7,273 $ 9,355

Loans 7,273 9,355

Commercial, financial, and agricultural - Agricultural

Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]

30 - 89 Days Past Due $ 264 $ 276

90 Days or More Past Due

Nonaccrual Loans $ 190 $ 206

Total Past Due 454 482

Loans Not Past Due 11,381 9,315

Loans 11,835 9,797

Commercial, financial, and agricultural - Equity lines

Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]

30 - 89 Days Past Due $ 35 $ 33

90 Days or More Past Due

Nonaccrual Loans $ 95 $ 318

Total Past Due 130 351

Loans Not Past Due 36,331 33,298

Loans $ 36,461 $ 33,649

Commercial, financial, and agricultural - Other

Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]

30 - 89 Days Past Due

90 Days or More Past Due

Nonaccrual Loans $ 69 $ 69

Total Past Due 69 69

Loans Not Past Due 33,150 33,355

Loans 33,219 33,424

Commercial real estate - Owner occupied

Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]

30 - 89 Days Past Due $ 5,167 $ 1,638

90 Days or More Past Due

Nonaccrual Loans $ 300 $ 620

Total Past Due 5,467 2,258

Loans Not Past Due 213,017 217,650

Loans $ 218,484 $ 219,908

Commercial real estate - Non Owner occupied

Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]

30 - 89 Days Past Due

90 Days or More Past Due

Nonaccrual Loans $ 844 $ 877

Total Past Due 844 877

Loans Not Past Due 155,897 150,703

Loans 156,741 151,580

Residential real estate - Secured by first liens

Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]

30 - 89 Days Past Due $ 351 $ 2,919

90 Days or More Past Due

Nonaccrual Loans $ 3,015 $ 3,451

Total Past Due 3,366 6,370

Loans Not Past Due 197,679 190,970

Loans $ 201,045 197,340

Residential real estate - Secured by junior liens

Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]

30 - 89 Days Past Due $ 347

90 Days or More Past Due

Nonaccrual Loans $ 336 $ 188

Total Past Due 336 535

Loans Not Past Due 5,686 6,222

Loans $ 6,022 $ 6,757

Acquisition, development and construction - Residential

Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]

30 - 89 Days Past Due

90 Days or More Past Due

Nonaccrual Loans

Total Past Due

Loans Not Past Due $ 43,884 $ 45,264

Loans 43,884 45,264

Acquisition, development and construction - Other

Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]

30 - 89 Days Past Due $ 866 $ 258

90 Days or More Past Due

Nonaccrual Loans $ 2,337 $ 5,874

Total Past Due 3,203 6,132

Loans Not Past Due 102,430 112,907

Loans 105,633 119,039

Consumer

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30 - 89 Days Past Due $ 46 $ 44

90 Days or More Past Due

Nonaccrual Loans $ 69 $ 136

Total Past Due 115 180

Loans Not Past Due 16,748 17,068

Loans $ 16,863 $ 17,248

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Summary of Significant Accounting Policies (Detail Textuals) - USD ($)
$ in Thousands
6 Months Ended

Jun. 30, 2015

Dec. 31, 2014

Accounting Policies [Abstract]

Delinquent period on discontinuation of interest income on loans 90 days

Charging off period on consumer loans 120 days

Nonaccrual loans and loans period still accrual 90 days

Loans repayment performance period 6 months

Repayment performance period for quarterly and semi annual payments loans 1 year

Lending limit for impairment $ 500

Fair values of derivatives $ 50 $ 6

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Loans - Troubled debt restructurings (Details 6) - Loans
$ in Thousands
6 Months Ended 12 Months Ended

Jun. 30, 2015

USD ($)

Contract

Dec. 31, 2014

USD ($)

Contract

Financing Receivable, Modifications [Line Items]

Number of Loans | Contract 18 19

Recorded Investment $ 9,136 $ 9,669

Commercial, financial, and agricultural - Commercial

Financing Receivable, Modifications [Line Items]

Number of Loans | Contract

Recorded Investment

Commercial, financial, and agricultural - Financial

Financing Receivable, Modifications [Line Items]

Number of Loans | Contract

Recorded Investment

Commercial, financial, and agricultural - Agricultural

Financing Receivable, Modifications [Line Items]

Number of Loans | Contract

Recorded Investment

Commercial, financial, and agricultural - Equity lines

Financing Receivable, Modifications [Line Items]

Number of Loans | Contract

Recorded Investment

Commercial, financial, and agricultural - Other

Financing Receivable, Modifications [Line Items]

Number of Loans | Contract

Recorded Investment

Commercial real estate - Owner occupied

Financing Receivable, Modifications [Line Items]

Number of Loans | Contract 1 2

Recorded Investment $ 276 $ 354

Commercial real estate - Non Owner occupied

Financing Receivable, Modifications [Line Items]

Number of Loans | Contract 4 4

Recorded Investment $ 5,752 $ 5,878

Residential real estate - Secured by first liens

Financing Receivable, Modifications [Line Items]

Number of Loans | Contract 9 9

Recorded Investment $ 1,095 $ 1,112

Residential real estate - Secured by junior liens

Financing Receivable, Modifications [Line Items]

Number of Loans | Contract 1 1

Recorded Investment $ 100 $ 104

Acquisition, development and construction - Residential

Financing Receivable, Modifications [Line Items]

Number of Loans | Contract

Recorded Investment

Acquisition, development and construction - Other

Financing Receivable, Modifications [Line Items]

Number of Loans | Contract 3 3

Recorded Investment $ 1,913 $ 2,221

Consumer

Financing Receivable, Modifications [Line Items]

Number of Loans | Contract

Recorded Investment

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Investment Securities - Proceeds from sales of securities available-for-sale and associated gains (losses), excluding gains (losses) on called securities (Details 1) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Available-for-sale Securities, Gross Realized Gain (Loss), Disclosures [Abstract]

Proceeds $ 53,848 $ 34,609 $ 77,148 $ 77,968

Gross Gains 111 438 219 910

Gross Losses $ (1,008) $ (412) $ (1,059) $ (633)

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Summary of Significant Accounting Policies
6 Months Ended

Jun. 30, 2015

Accounting Policies [Abstract]

Summary of Significant Accounting Policies
Note 1 – Summary of Significant Accounting Policies

(a) Nature of Operations and Principles of Consolidation

The accompanying consolidated financial statements include the accounts of Southeastern Bank Financial Corporation and its wholly-owned subsidiary, Georgia Bank & Trust Company of Augusta, Georgia, together referred to as “the Company.” Significant intercompany transactions and accounts are eliminated in consolidation. Dollar amounts are rounded to thousands except share and per share data.

The Company provides financial services through its offices in Richmond and Columbia Counties, Georgia, and Aiken County, South Carolina. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate. Commercial loans are expected to be repaid from cash flow from operations of businesses. The Company has a significant concentration of loans with real estate developers. The ability of these customers to repay their loans is dependent on the real estate and general economic conditions in the area.

The financial statements for the three and six months ended June 30, 2015 and 2014 are unaudited and have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission. Certain information and footnote disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted pursuant to such rules and regulations. These consolidated financial statements should be read in conjunction with the audited consolidated financial statements and footnotes included in the Company’s annual report on Form 10-K for the year ended December 31, 2014.

In the opinion of management, all adjustments necessary to present fairly the financial position and the results of operations and cash flows for the interim periods have been made. All such adjustments are of a normal recurring nature. The results of operations for the three and six months ended June 30, 2015 are not necessarily indicative of the results of operations which the Company may achieve for the entire year.

Some items in the prior period financial statements were reclassified to conform to the current presentation.

(b) Loans and Allowance for Loan Losses

Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of deferred loan fees and costs, and an allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments.

Non-Accrual Loan Procedures:

Interest income on loans of all segments and classes are generally discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Consumer loans are typically charged off no later than 120 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. A loan is moved to non-accrual status in accordance with the Company’s policy, typically after 90 days of non-payment as measured from the loan’s contractual due date.

All interest, accrued but not received, for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Subsequent payments of interest are recognized on the cash basis as income when full collection of principal is expected. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured and there is a period of at least 6 months of repayment performance (1 year for loans providing for quarterly or semi-annual payments) by the borrower in accordance with contractual terms.

Concentration of Credit Risk:

Most of the Company’s business activity is with customers located within the Augusta-Richmond County, GA-SC metropolitan statistical area, part of the Central Savannah River Area (“CSRA”). Therefore, the Company’s exposure to credit risk is significantly affected by changes in the economy in this area. The Company also has a significant concentration of loans with real estate developers.

Allowance for Loan Losses:

The allowance for loan losses (ALLL) is a valuation allowance for probable incurred credit losses. The allowance for loan losses is established through a provision for loan losses charged to expense. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired.

Impaired Loans and Troubled Debt Restructurings:

A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due (both principal and interest) according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.

All lending relationships over $500 are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosures. Troubled debt restructurings are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses.

The following portfolio segments have been identified:

• Acquisition Development and Construction (“ADC”) – CSRA

• ADC – Other

• Commercial Real Estate – Non owner occupied

• Commercial Real Estate – Owner occupied

• 1-4 Family

• Consumer

• Other – Commercial, Financial and Agricultural

The following is a discussion of the risk characteristics of these portfolio segments.

Acquisition, Development & Construction (ADC) – CSRA (Primary Market) – ADC lending carries all of the normal risks involved in lending including the changing nature of borrower and guarantor financial conditions and the knowledge that the sale of the completed lots and/or structures is likely the sole source of repayment as opposed to other forms of borrower cash flow. In addition, this type of lending carries several additional risk factors including: (1) timely project completion (contractor financial condition, commodity prices, weather delays, prospective tenant financial condition); (2) market factors (changing economic conditions, unemployment rates, end-user financing availability, interest rates); (3) competition (similar product availability, bank foreclosed properties); and (4) end-product price stability.

ADC – Other – ADC lending in all other markets carries all of the ADC risks outlined for the CSRA plus the additional risk of lending outside of the Company’s traditional market area where our knowledge of these markets may not be as well developed.

Commercial Real Estate – Non Owner Occupied – This lending category includes loans for office, warehouse, retail, hotel/motel and other non-owner occupied properties. Loans in this category carry more risk than owner-occupied properties because the property’s cash flow is not derived from the owner of the property’s business, but from unrelated tenants. These outside tenants are each subject to their own set of business risks depending upon their own financial situation, competitors, industry segment and general economic conditions. Therefore, the cash flow from the property in the form of rent may not be as stable as a one-user, owner-occupied property.

Commercial Real Estate – Owner Occupied – This portfolio segment includes loans to finance office buildings, retail establishments, warehouses, convenience stores, churches, schools, daycare facilities, restaurants, health care facilities, golf courses and other owner-occupied properties. Loans in this category generally carry less risk than non-owner occupied properties because the cash flow to service the property’s debt is derived from the owner of the property’s business as opposed to unrelated third-party tenants. The cash flows and property values for one-user, owner-occupied properties tend to be more stable because they are based upon the operation of the owner’s business as opposed to rent from a variety of smaller tenants (each of which carries its own set of business and market risks).

1-4 Family – This lending category includes loans secured by improved residential real estate. Loans in this category are affected by local real estate markets, local & national economic factors affecting borrowers’ employment prospects & income levels, and levels & movement of interest rates and the general availability of mortgage financing.

Consumer – This portfolio segment includes loans secured by consumer goods (e.g. vehicles, recreational products, equipment, etc.), but also may be unsecured. Similar to the 1-4 family category, this segment of the loan portfolio depends on a variety of local & national economic factors affecting borrowers’ employment prospects, income levels and overall economic sentiment.

Commercial, Financial and Agricultural – This portfolio segment includes loans for a wide variety of business purposes. This segment also includes home equity lines of credit, loans secured by multi-family properties and loans to government entities. Loans in this category are affected by changes in national, regional and local economic factors that affect the businesses that operate in our market.

The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans that become uncollectible, based on evaluations of the collectability of loans. The evaluations take into consideration such factors as changes in the nature and volume of the loan portfolio, historical loss rates, overall portfolio quality, review of specific problem loans, and current economic conditions and trends that may affect a borrower’s ability to pay. The allowance is evaluated on a regular basis utilizing estimated loss factors for specific types of loans. Such loss factors are periodically reviewed and adjusted as necessary based on actual losses.

While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may advise the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.

The process of assessing the adequacy of the allowance is necessarily subjective. Further, and particularly in terms of economic downturns, it is reasonably possible that future credit losses may exceed historical loss levels and may also exceed management’s current estimates of probable incurred credit losses inherent within the loan portfolio. As such, there can be no assurance that future loan charge-offs will not exceed management’s current estimate of the allowance for loan losses.

ALLL Methodology:

The Company’s approach to ALLL reserve calculation uses two distinct perspectives, the guidelines of using Financial Accounting Standards ASC 450 (Accounting for Contingencies) and ASC 310 (Accounting by Creditors for Impairment of a Loan, for individual loans). The process is generally as follows and methodology applies to all classes of loans within the portfolio segments:

• Loans are grouped in categories of similar risk characteristics (portfolio segments).

• For each loan category, a four year average rolling historical net loss rate is calculated, with the loss rate more heavily weighted to the most recent two years loss history. The historical loss ratios are adjusted for internal and external qualitative factors within each loan category. The qualitative factor adjustment may be further increased for loan classifications of watch rated and substandard within each category. Factors include:

○ levels and trends in delinquencies and impaired/classified/graded loans;

○ changes in the quality of the loan review system;

○ trends in volume and terms of loans;

○ effects of changes in risk selection and underwriting standards, and other changes in lending policies, procedures and practices;

○ experience, ability, and depth of lending management and other relevant staff;

○ national and local economic trends and conditions;

○ changes in the value of underlying collateral;

○ other external factors-competition, legal and regulatory requirements; and

○ effects of changes in credit concentrations.

• The resultant loss factor is applied to each respective loan pool to calculate the ALLL for each loan pool.

• The total of each loan pool is then added to the ALLL determined for individual loans evaluated for impairment in accordance with ASC 310.

There have been no changes to the methodology during 2015 and 2014.

Loans Held for Sale:

Mortgage loans held for sale are generally sold with servicing rights released. The Company originates mortgages to be held for sale only for loans that have been individually pre-approved by the investor. Mortgage loans originated and intended for sale in the secondary market are carried at fair value, as determined by outstanding commitments from investors.

Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold.

The Company bears minimal interest rate risk on these loans and only holds the loans temporarily until documentation can be completed to finalize the sale to the investor.



Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as free standing derivatives. Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked. The Company enters into forward commitments for the future delivery of mortgage loans when interest rate locks are entered into, in order to hedge the change in interest rates resulting from its commitments to fund the loans. Changes in the fair values of these derivatives are included in net gains on sales of loans. Fair values of these derivatives were $50 and $6 as of June 30, 2015 and December 31, 2014, respectively.

(c) Derivatives

At the inception of a derivative contract, the Company designates the derivative as one of three types based on the Company’s intentions and belief as to likely effectiveness as a hedge. These three types are (1) a hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (“fair value hedge”), (2) a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to a recognized asset or liability (“cash flow hedge”), or (3) an instrument with no hedging designation (“stand-alone derivative”). For a fair value hedge, the gain or loss on the derivative, as well as the offsetting loss or gain on the hedged item, are recognized in current earnings as fair values change. For a cash flow hedge, the gain or loss on the derivative is reported in other comprehensive income and is reclassified into earnings in the same periods during which the hedged transaction affects earnings. For both types of hedges, changes in the fair value of derivatives that are not highly effective in hedging the changes in fair value or expected cash flows of the hedged item are recognized immediately in current earnings. Changes in the fair value of derivatives that do not qualify for hedge accounting are reported currently in earnings, as noninterest income.

Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest income or interest expense, based on the item being hedged. Net cash settlements on derivatives that do not qualify for hedge accounting are reported in noninterest income. Cash flows on hedges are classified in the cash flow statement the same as the cash flows of the items being hedged.

The Company formally documents the relationship between derivatives and hedged items, as well as the risk-management objective and the strategy for undertaking hedge transactions at the inception of the hedging relationship. This documentation includes linking fair value or cash flow hedges to specific assets and liabilities on the balance sheet or to specific firm commitments or forecasted transactions. The Company also formally assesses, both at the hedge’s inception and on an ongoing basis, whether the derivative instruments that are used are highly effective in offsetting changes in fair values or cash flows of the hedged items. The Company discontinues hedge accounting when it determines that the derivative is no longer effective in offsetting changes in the fair value or cash flows of the hedged item, the derivative is settled or terminates, a hedged forecasted transaction is no longer probable, a hedged firm commitment is no longer firm, or treatment of the derivative as a hedge is no longer appropriate or intended.

When hedge accounting is discontinued, subsequent changes in fair value of the derivative are recorded as noninterest income. When a fair value hedge is discontinued, the hedged asset or liability is no longer adjusted for changes in fair value and the existing basis adjustment is amortized or accreted over the remaining life of the asset or liability. When a cash flow hedge is discontinued but the hedged cash flows or forecasted transactions are still expected to occur, gains or losses that were accumulated in other comprehensive income are amortized into earnings over the same periods which the hedged transactions will affect earnings.

(d) Recent Accounting Pronouncements

In May 2014, the FASB issued an update (ASU No. 2014-09, Revenue from Contracts with Customers) creating FASB Topic 606, Revenue from Contracts with Customers. The guidance in this update affects any entity that either enters into contracts with customers to transfer goods or services or enters into contracts for the transfer of nonfinancial assets unless those contracts are within the scope of other standards (for example, insurance contracts or lease contracts). The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The guidance provides steps to follow to achieve the core principle. An entity should disclose sufficient information to enable users of financial statements to understand the nature, amount, timing and uncertainty of revenue and cash flows arising from contracts with customers. Qualitative and quantitative information is required about contracts with customers, significant judgments and changes in judgments, and assets recognized from the costs to obtain or fulfill a contract. The amendments in this update are effective for interim and annual reporting periods beginning after December 15, 2017. We are currently evaluating the impact of adopting the new guidance on the consolidated financial statements.

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Consolidated Balance Sheets (Parentheticals) - $ / shares

Jun. 30, 2015

Dec. 31, 2014

Consolidated Balance Sheets [Abstract]

Preferred stock, no par value (in dollars per share)

Preferred stock, shares authorized 10,000,000 10,000,000

Preferred stock, shares outstanding 0 0

Common stock, par value (in dollars per share) $ 3.00 $ 3.00

Common stock, shares authorized 10,000,000 10,000,000

Common stock, shares issued 6,744,891 6,744,891

Common stock, shares outstanding 6,744,843 6,744,160

Treasury stock, shares 48 731

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Loans (Tables)
6 Months Ended

Jun. 30, 2015

Receivables [Abstract]

Schedule of summary of loans

June 30, 2015 December 31, 2014

(Dollars in thousands)

Commercial, financial, and agricultural $ 193,735 208,905

Real estate:

Commercial 375,225 371,488

Residential 207,067 204,097

Acquisition, development and construction
149,517 164,303

Consumer installment 16,863 17,248

$ 942,407 966,041

Less allowance for loan losses 23,372 25,506

Less deferred loan origination fees (costs) (130 ) (315 )

$ 919,165 940,850

Schedule of activity in the allowance for loan losses by portfolio segment

Three Months Ended June 30, 2015

Commercial,

Financial, and CRE - Owner CRE - Non Owner Residential ADC ADC

Agricultural Occupied Occupied Real Estate CSRA Other Consumer Total

(Dollars in thousands)

Allowance for loan losses:

Beginning balance $ 5,295 5,373 3,838 6,355 1,631 2,197 702 25,391

Charge-offs (517 ) (74 ) — (245 ) (250 ) (20 ) (132 ) (1,238 )

Recoveries 187 1 — 1 — 1,666 54 1,909

Provision (538 ) 141 3 225 424 (2,922 ) (23 ) (2,690 )

Ending balance $ 4,427 5,441 3,841 6,336 1,805 921 601 23,372

Three Months Ended June 30, 2014

Commercial,

Financial, and CRE - Owner CRE - Non Owner Residential ADC ADC

Agricultural Occupied Occupied Real Estate CSRA Other Consumer Total

(Dollars in thousands)

Allowance for loan losses:

Beginning balance $ 5,570 6,036 3,073 5,503 2,757 2,789 572 26,300

Charge-offs (240 ) (18 ) — (84 ) (55 ) — (129 ) (526 )

Recoveries 15 4 — 19 — — 60 98

Provision 229 111 404 210 (191 ) 163 85 1,011

Ending balance $ 5,574 6,133 3,477 5,648 2,511 2,952 588 26,883



Six Months Ended June 30, 2015

Commercial,

Financial, and CRE - Owner CRE - Non Owner Residential ADC ADC

Agricultural Occupied Occupied Real Estate CSRA Other Consumer Total

(Dollars in thousands)

Allowance for loan losses:

Beginning balance $ 5,407 4,805 3,817 6,591 1,943 2,320 623 25,506

Charge-offs (1,134 ) (74 ) — (286 ) (255 ) (20 ) (261 ) (2,030 )

Recoveries 217 2 — 12 — 1,695 113 2,039

Provision (63 ) 708 24 19 117 (3,074 ) 126 (2,143 )

Ending balance $ 4,427 5,441 3,841 6,336 1,805 921 601 23,372

Six Months Ended June 30, 2014

Commercial,

Financial, and CRE - Owner CRE - Non Owner Residential ADC ADC

Agricultural Occupied Occupied Real Estate CSRA Other Consumer Total

(Dollars in thousands)

Allowance for loan losses:

Beginning balance $ 5,774 5,706 3,275 5,590 3,107 2,379 578 26,409

Charge-offs (375 ) (18 ) (718 ) (224 ) (151 ) (69 ) (286 ) (1,841 )

Recoveries 36 8 24 26 — — 153 247

Provision 139 437 896 256 (445 ) 642 143 2,068

Ending balance $ 5,574 6,133 3,477 5,648 2,511 2,952 588 26,883

Schedule of allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method

June 30, 2015

Commercial,

Financial, and CRE - Owner CRE - Non Owner Residential ADC ADC

Agricultural Occupied Occupied Real Estate CSRA Other Consumer Total

(Dollars in thousands)

Allowance for loan losses:

Ending balance attributable to loans:

Individually evaluated for impairment $ — — — — — — — —

Collectively evaluated for impairment 4,427 5,441 3,841 6,336 1,805 921 601 23,372

$ 4,427 5,441 3,841 6,336 1,805 921 601 23,372

Loans:

Individually evaluated for impairment 1,072 276 7,520 2,295 2,541 64 1 13,769

Collectively evaluated for impairment 192,663 218,208 149,221 204,772 108,060 38,852 16,862 928,638

$ 193,735 218,484 156,741 207,067 110,601 38,916 16,863 942,407

December 31, 2014

Commercial,

Financial, and CRE - Owner CRE - Non Owner Residential ADC ADC

Agricultural Occupied Occupied Real Estate CSRA Other Consumer Total

(Dollars in thousands)

Allowance for loan losses:

Ending balance attributable to loans:

Individually evaluated for impairment $ 207 — — — — — — 207

Collectively evaluated for impairment 5,200 4,805 3,817 6,591 1,943 2,320 623 25,299

$ 5,407 4,805 3,817 6,591 1,943 2,320 623 25,506

Loans:

Individually evaluated for impairment 2,995 1,289 7,687 2,285 2,849 3,082 2 20,189

Collectively evaluated for impairment 205,910 218,619 143,893 201,812 107,235 51,137 17,246 945,852

$ 208,905 219,908 151,580 204,097 110,084 54,219 17,248 966,041

Schedule of loans individually evaluated for impairment by class of loans

June 30, 2015

Unpaid Allowance for Average

Principal Recorded Loan Losses Recorded

Balance Investment (2) Allocated Investment

(Dollars in thousands)

With no related allowance recorded: (1)

Commercial, financial, and agricultural:

Commerical $ 1,987 882 — 1,660

Financial — — — —

Agricultural 252 190 — 196

Equity lines — — — —

Other — — — —

Commercial real estate:

Owner occupied 276 276 — 278

Non Owner occupied 7,754 7,520 — 7,602

Residential real estate:

Secured by first liens 2,879 2,195 — 2,384

Secured by junior liens 150 100 — 102

Acquisition, development and construction:

Residential — — — —

Other 3,580 2,605 — 2,865

Consumer 1 1 — 2

16,879 13,769 — 15,089

With an allowance recorded: — — — —

$ 16,879 13,769 — 15,089

(1) No specific allowance for credit losses is allocated to these loans since they are sufficiently collateralized or had charge-offs

(2) Excludes accrued interest receivable and loan origination fees, net due to immateriality



December 31, 2014

Unpaid Allowance for Average

Principal Recorded Loan Losses Recorded

Balance Investment (2) Allocated Investment

(Dollars in thousands)

With no related allowance recorded: (1)

Commercial, financial, and agricultural:

Commerical $ 2,000 611 — 1,805

Financial — — — —

Agricultural 263 206 — 231

Equity lines — — — —

Other — — — —

Commercial real estate:

Owner occupied 1,385 1,289 — 1,377

Non Owner occupied 7,907 7,687 — 7,792

Residential real estate:

Secured by first liens 2,711 2,181 — 2,229

Secured by junior liens 150 104 — 110

Acquisition, development and construction:

Residential — — — —

Other 8,518 5,931 — 7,326

Consumer 2 2 — 3

22,936 18,011 — 20,873

With an allowance recorded:

Commercial, financial, and agricultural:

Commerical 2,245 2,178 207 2,203

2,245 2,178 207 2,203

$ 25,181 20,189 207 23,076

(1) No specific allowance for credit losses is allocated to these loans since they are sufficiently collateralized or had charge-offs

(2) Excludes accrued interest receivable and loan origination fees, net due to immateriality

Schedule of interest income on impaired loans

Three Months Ended June 30, 2015 Six Months Ended June 30, 2015

Interest Cash Basis Interest Cash Basis

Income Interest Income Income Interest Income

Recognized Recognized Recognized Recognized

(Dollars in thousands) (Dollars in thousands)

Commercial, financial, and agricultural:

Commerical $ — — — —

Financial — — — —

Agricultural — — — —

Equity lines — — — —

Other — — — —

Commercial real estate:

Owner occupied 3 3 6 6

Non Owner occupied 73 73 178 178

Residential real estate:

Secured by first liens 9 9 30 30

Secured by junior liens 1 1 3 3

Acquisition, development and construction:

Residential — — — —

Other 7 7 13 13

Consumer — — — —

$ 93 93 230 230

Three Months Ended June 30, 2014 Six Months Ended June 30, 2014

Interest Cash Basis Interest Cash Basis

Income Interest Income Income Interest Income

Recognized Recognized Recognized Recognized

(Dollars in thousands) (Dollars in thousands)

Commercial, financial, and agricultural:

Commerical $ — — — —

Financial — — — —

Agricultural — — — —

Equity lines — — — —

Other — — — —

Commercial real estate:

Owner occupied 3 3 7 7

Non Owner occupied 80 80 163 163

Residential real estate:

Secured by first liens 6 6 12 12

Secured by junior liens 1 1 3 3

Acquisition, development and construction:

Residential — — — —

Other 11 11 21 21

Consumer — — — —

$ 101 101 206 206

Schedule of aging of the recorded investment in past due loans

June 30, 2015

30 - 89 Days 90 Days or Nonaccrual Total Loans Not

Past Due More Past Due Loans Past Due Past Due Total

(Dollars in thousands)

Commercial, financial, and agricultural:

Commerical $ 28 — 903 931 104,016 104,947

Financial — — — — 7,273 7,273

Agricultural 264 — 190 454 11,381 11,835

Equity lines 35 — 95 130 36,331 36,461

Other — — 69 69 33,150 33,219

Commercial real estate:

Owner occupied 5,167 — 300 5,467 213,017 218,484

Non Owner occupied — — 844 844 155,897 156,741

Residential real estate:

Secured by first liens 351 — 3,015 3,366 197,679 201,045

Secured by junior liens — — 336 336 5,686 6,022

Acquisition, development and construction:

Residential — — — — 43,884 43,884

Other 866 — 2,337 3,203 102,430 105,633

Consumer 46 — 69 115 16,748 16,863

$ 6,757 — 8,158 14,915 927,492 942,407

December 31, 2014

30 - 89 Days 90 Days or Nonaccrual Total Loans Not

Past Due More Past Due Loans Past Due Past Due Total

(Dollars in thousands)

Commercial, financial, and agricultural:

Commerical $ — — 2,865 2,865 119,815 122,680

Financial — — — — 9,355 9,355

Agricultural 276 — 206 482 9,315 9,797

Equity lines 33 — 318 351 33,298 33,649

Other — — 69 69 33,355 33,424

Commercial real estate:

Owner occupied 1,638 — 620 2,258 217,650 219,908

Non Owner occupied — — 877 877 150,703 151,580

Residential real estate:

Secured by first liens 2,919 — 3,451 6,370 190,970 197,340

Secured by junior liens 347 — 188 535 6,222 6,757

Acquisition, development and construction:

Residential — — — — 45,264 45,264

Other 258 — 5,874 6,132 112,907 119,039

Consumer 44 — 136 180 17,068 17,248

$ 5,515 — 14,604 20,119 945,922 966,041

Schedule of details of TDRs

June 30, 2015

Number of Recorded

Loans Investment

(Dollars in thousands)

Troubled Debt Restructurings:

Commercial, financial, and agricultural:

Commerical - $ -

Financial - -

Agricultural - -

Equity lines - -

Other - -

Commercial real estate:

Owner occupied 1 276

Non Owner occupied 4 5,752

Residential real estate:

Secured by first liens 9 1,095

Secured by junior liens 1 100

Acquisition, development and construction:

Residential - -

Other 3 1,913

Consumer - -

18 $ 9,136

December 31, 2014

Number of Recorded

Loans Investment

(Dollars in thousands)

Troubled Debt Restructurings:

Commercial, financial, and agricultural:

Commerical - $ -

Financial - -

Agricultural - -

Equity lines - -

Other - -

Commercial real estate:

Owner occupied 2 354

Non Owner occupied 4 5,878

Residential real estate:

Secured by first liens 9 1,112

Secured by junior liens 1 104

Acquisition, development and construction:

Residential - -

Other 3 2,221

Consumer - -

19 $ 9,669

Schedule of loans by class modified as TDRs

Three Months Ended June 30, 2015 Three Months Ended June 30, 2014

Pre-Modification Post-Modification Pre-Modification Post-Modification

Number of Outstanding Outstanding Number of Outstanding Outstanding

Loans Recorded Investment Recorded Investment Loans Recorded Investment Recorded Investment

(Dollars in thousands) (Dollars in thousands)

Troubled Debt Restructurings:

Commercial, financial, and agricultural:

Commerical - $ - $ - - $ - $ -

Financial - - - - - -

Agricultural - - - - - -

Equity lines - - - - - -

Other - - - - - -

Commercial real estate:

Owner occupied - - - - - -

Non Owner occupied - - - - - -

Residential real estate:

Secured by first liens - - - - - -

Secured by junior liens - - - - - -

Acquisition, development and construction:

Residential - - - - - -

Other - - - - - -

Consumer - - - - - -

- $ - $ - - $ - $ -



Six Months Ended June 30, 2015 Six Months Ended June 30, 2014

Pre-Modification Post-Modification Pre-Modification Post-Modification

Number of Outstanding Outstanding Number of Outstanding Outstanding

Loans Recorded Investment Recorded Investment Loans Recorded Investment Recorded Investment

(Dollars in thousands) (Dollars in thousands)

Troubled Debt Restructurings:

Commercial, financial, and agricultural:

Commerical - $ - $ - - $ - $ -

Financial - - - - - -

Agricultural - - - - - -

Equity lines - - - - - -

Other - - - - - -

Commercial real estate:

Owner occupied - - - - - -

Non Owner occupied - - - - - -

Residential real estate:

Secured by first liens - - - 1 287 220

Secured by junior liens - - - - - -

Acquisition, development and construction:

Residential - - - - - -

Other - - - - - -

Consumer - - - - - -

- $ - $ - 1 $ 287 $ 220

Schedule of the risk category of loans by class of loans

June 30, 2015

Pass Watch Substandard Doubtful

(Dollars in thousands)

Commercial, financial, and agricultural:

Commerical $ 99,961 2,195 2,791 —

Financial 7,273 — — —

Agricultural 8,638 2,564 633 —

Equity lines 35,376 719 366 —

Other 32,814 336 69 —

Commercial real estate:

Owner occupied 196,336 15,262 6,886 —

Non Owner occupied 143,630 4,909 8,202 —

Residential real estate:

Secured by first liens 188,462 7,796 4,787 —

Secured by junior liens 5,197 194 631 —

Acquisition, development and construction:

Residential 43,781 103 — —

Other 96,258 6,233 3,142 —

Consumer 16,353 396 114 —

$ 874,079 40,707 27,621 —

December 31, 2014

Pass Watch Substandard Doubtful

(Dollars in thousands)

Commercial, financial, and agricultural:

Commerical $ 109,908 7,782 4,990 —

Financial 9,355 — — —

Agricultural 6,636 1,960 1,201 —

Equity lines 32,773 287 589 —

Other 33,012 343 69 —

Commercial real estate:

Owner occupied 201,840 14,593 3,475 —

Non Owner occupied 137,973 5,066 8,541 —

Residential real estate:

Secured by first liens 183,898 8,115 5,327 —

Secured by junior liens 6,125 149 483 —

Acquisition, development and construction:

Residential 45,264 — — —

Other 101,047 11,597 6,395 —

Consumer 16,919 154 175 —

$ 884,750 50,046 31,245 —

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Document and Entity Information [Abstract]

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Entity Central Index Key 0000880116

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Entity Filer Category Smaller Reporting Company

Entity Common Stock, Shares Outstanding 6,745,371

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Fair Value Measurements (Tables)
6 Months Ended

Jun. 30, 2015

Fair Value Disclosures [Abstract]

Schedule of balances of assets and liabilities measured at fair value on a recurring basis by level within the hierarchy

June 30,
Quoted Prices in

Active Markets for

Identical Assets

Significant Other

Observable Inputs

Significant

Unobservable

Inputs

2015 (Level 1) (Level 2) (Level 3)

(Dollars in thousands)

Assets:

Available-for-sale securities

Obligations of U.S. Government agencies $ 192,531 - 192,531 -

Obligations of states and political subdivisions 127,601 - 127,601 -

Mortgage-backed securities

U.S. GSE’s MBS - residential 118,421 - 118,421 -

U.S. GSE’s CMO 135,943 - 135,943 -

Corporate bonds 102,567 - 102,567 -

Total available-for-sale securities $ 677,063 - 677,063 -

Loans held for sale 26,469 - 26,469 -

Mortgage banking derivatives 50 - 50 -

$ 703,582 - 703,582 -

Liabilities:

Interest rate swap derivatives 1,717 - 1,717 -

$ 1,717 - 1,717 -

Quoted Prices in Significant

Active Markets for Significant Other Unobservable

December 31, Identical Assets Observable Inputs Inputs

2014 (Level 1) (Level 2) (Level 3)

(Dollars in thousands)

Assets:

Available-for-sale securities

Obligations of U.S. Government agencies
$ 178,744 - 178,744 -

Obligations of states and political subdivisions
101,755 - 101,755 -

Mortgage-backed securities

U.S. GSE’s MBS - residential 130,036 - 130,036 -

U.S. GSE’s CMO 124,461 - 124,461 -

Corporate bonds 109,469 - 109,357 112

Total available-for-sale securities $ 644,465 - 644,353 112

Loans held for sale 18,365 - 18,365 -

Mortgage banking derivatives 6 - 6 -

$ 662,836 - 662,724 112

Liabilities:

Interest rate swap derivatives 1,959 - 1,959 -

$ 1,959 - 1,959 -

Schedule of reconciliation and income statement classification of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3)

Fair Value Measurements Using Significant Unobservable

Inputs (Level 3)

Total Corporate bonds

(Dollars in thousands)

Beginning balance, January 1, 2015 $ 112 $ 112

Total gains or losses (realized/unrealized)

Included in earnings

Gain (loss) on sales - -

Other-than-temporary impairment - -

Included in other comprehensive income 26 26

Purchases, sales, issuances and settlements

Purchases - -

Sales, Calls - -

Issuances - -

Settlements - -

Principal repayments - -

Transfers into Level 3 - -

Transfers out of Level 3 (138 ) (138 )

Ending balance, June 30, 2015 $ - $ -

Fair Value Measurements Using Significant Unobservable

Inputs (Level 3)

Total Corporate bonds

(Dollars in thousands)

Beginning balance, January 1, 2014 $ 110 $ 110

Total gains or losses (realized/unrealized)

Included in earnings

Gain (loss) on sales - -

Other-than-temporary impairment - -

Included in other comprehensive income 1 1

Purchases, sales, issuances and settlements

Purchases - -

Sales, Calls - -

Issuances - -

Settlements - -

Principal repayments - -

Transfers into Level 3 - -

Transfers out of Level 3 - -

Ending balance, June 30, 2014 $ 111 $ 111

Schedule of quantitative information about level 3 fair value measurements

December 31, Valuation Unobservable Range

2014 Technique Inputs (Weighted Avg)

(Dollars in thousands)

Available-for-sale securities

Corporate bonds 112 discounted cash flow yield 10.00%

Schedule of assets and liabilities measured on a non-recurring basis

Quoted Prices in Significant

Active Markets for Significant Other Unobservable

June 30, Identical Assets Observable Inputs Inputs

2015 (Level 1) (Level 2) (Level 3)

(Dollars in thousands)

Assets:

Impaired loans (1)

Commercial, financial, and agricultural $ 882 - - 882

Real estate:

Commercial 1,119 - - 1,119

Residential 1,436 - - 1,436

Acquisition, development and construction
2,033 - - 2,033

Consumer installment 1 - - 1

$ 5,471 - - 5,471

Other real estate owned

Real estate:

Commercial $ 144 - - 144

Acquisition, development and construction
360 - - 360

$ 504 - - 504

$ 5,975 - - 5,975

(1) Includes loans directly charged down to fair value.

Quoted Prices in Significant

Active Markets for Significant Other Unobservable

December 31, Identical Assets Observable Inputs Inputs

2014 (Level 1) (Level 2) (Level 3)

(Dollars in thousands)

Assets:

Impaired loans

Commercial, financial, and agricultural $ 2,582 - - 2,582

Real estate:

Commercial 2,166 - - 2,166

Residential 1,421 - - 1,421

Acquisition, development and construction
5,352 - - 5,352

Consumer installment 2 - - 2

$ 11,523 - - 11,523

Other real estate owned

Real estate:

Commercial $ 144 - - 144

Acquisition, development and construction
435 - - 435

$ 579 - - 579

$ 12,102 - - 12,102

Schedule of quantitative information about level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis

June 30, Valuation Unobservable Range

2015 Techniques Inputs (Weighted Avg)

(Dollars in thousands)

Impaired loans

Commercial, financial and agricultural 882 sales comparison adjustment for 0.00% - 30.00% (15.00%)

differences between

the comparable sales

income approach capitalization rate 10.82%

liquidation value

Real estate:

Commercial 1,119 sales comparison adjustment for 0.00% - 70.99% (20.73%)

differences between

the comparable sales

income approach capitalization rate 8.25% - 9.29% (8.84%)

Residential 1,436 sales comparison adjustment for 0.00% - 37.00% (8.71%)

differences between

the comparable sales

liquidation value

Acquisition, development and

 construction 2,033 sales comparison adjustment for 0.00% - 161.40% (33.97%)

differences between

the comparable sales

Consumer installment 1 liquidation value

Other real estate owned

Real estate:

Commercial 144 sales comparison adjustment for 0.00% - 25.00% (12.50%)

differences between

the comparable sales

Acquisition, development and

 construction 360 sales comparison adjustment for 10.00% - 42.00% (26.00%)

differences between

the comparable sales

Dec. 31, Valuation Unobservable Range

2014 Techniques Inputs (Weighted Avg)

(Dollars in thousands)

Impaired loans

Commercial, financial and agricultural 2,582 sales comparison adjustment for 7.00% - 50.00% (28.50%)

differences between

the comparable sales

income approach capitalization rate 9.39%

liquidation value

Real estate:

Commercial 2,166 sales comparison adjustment for 0.00% - 70.99% (19.92%)

differences between

the comparable sales

income approach capitalization rate 8.25% - 10.00% (8.97%)

liquidation value

Residential 1,421 sales comparison adjustment for 1.30% - 24.46% (7.24%)

differences between

the comparable sales

Acquisition, development and

 construction 5,352 sales comparison adjustment for 0.00% - 161.40% (28.55%)

differences between

the comparable sales

income approach discount rate 9.50% - 10.00% (9.69%)

Consumer installment 2 liquidation value

Other real estate owned

Real estate:

Commercial 144 sales comparison adjustment for 0.00% - 25.00% (12.50%)

differences between

the comparable sales

Acquisition, development and

 construction 435 sales comparison adjustment for 5.00% - 60.00% (27.12%)

differences between

the comparable sales

Schedule of carrying amounts and estimated fair values of the financial instruments

June 30, 2015

Carrying Fair Value Measurements

amount Total Level 1 Level 2 Level 3

(Dollars in thousands)

Financial assets:

Cash and cash equivalents $ 78,143 78,143 78,143 - -

Loans, net 913,694 914,721 - - 914,721

Restricted equity securities 3,936 N/A

Accrued interest receivable 5,982 5,982 - 3,474 2,508

Financial liabilities:

Deposits with stated maturities 361,777 364,391 - 364,391 -

Deposits without stated maturities 1,172,558 1,172,558 1,172,558 - -

Securities sold under repurchase agreements 649 649 649 - -

Advances from FHLB 56,000 58,351 - 58,351 -

Subordinated debentures 20,000 14,974 - - 14,974

December 31, 2014

Carrying Fair Value Measurements

amount Total Level 1 Level 2 Level 3

(Dollars in thousands)

Financial assets:

Cash and cash equivalents $ 35,995 35,995 35,995 - -

Loans, net 929,327 925,997 - - 925,997

Restricted equity securities 4,398 N/A

Accrued interest receivable 5,898 5,898 - 3,140 2,758

Financial liabilities:

Deposits with stated maturities 375,808 376,607 - 376,607 -

Deposits without stated maturities 1,088,056 1,088,056 1,088,056 - -

Securities sold under repurchase agreements 10,678 10,678 10,678 - -

Advances from FHLB 64,000 67,551 - 67,551 -

Subordinated debentures 20,000 14,886 - - 14,886

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Consolidated Statements of Comprehensive Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Interest income:

Loans, including fees $ 12,187 $ 11,641 $ 23,712 $ 22,921

Investment securities 3,798 3,618 7,445 7,152

Interest-bearing deposits in other banks 17 18 34 33

Total interest income 16,002 15,277 31,191 30,106

Interest expense:

Deposits 1,451 1,586 2,911 3,174

Securities sold under repurchase agreements 2 2 5 3

Other borrowings 626 659 1,264 1,327

Total interest expense 2,079 2,247 4,180 4,504

Net interest income 13,923 13,030 27,011 25,602

Provision (Credit) for loan losses (2,690) 1,011 (2,143) 2,068

Net interest income after provision for loan losses 16,613 12,019 29,154 23,534

Noninterest income:

Service charges and fees on deposits 1,843 1,792 3,587 3,421

Gain on sales of loans 1,758 1,373 3,312 2,192

Gain (loss) on sale of fixed assets, net (62) 13 (61) 12

Investment securities gains (losses), net (includes ($897) and $26 for the three months ended and ($840) and $277 for the six months ended June 30, 2015 and 2014 accumulated other comprehensive income reclassifications for unrealized gains (losses) on available-for-sale securities) (897) 26 (840) 277

Retail investment income 520 514 1,046 1,088

Trust service fees 355 319 691 642

Earnings from cash surrender value of bank-owned life insurance 281 281 559 559

Miscellaneous income 221 205 444 423

Total noninterest income 4,019 4,523 8,738 8,614

Noninterest expense:

Salaries and other personnel expense 6,662 6,148 13,249 11,914

Occupancy expenses 1,030 987 2,048 1,931

Other real estate losses (gains), net (46) 22 (112) (13)

Prepayment fees 955 955

Other operating expenses 3,610 3,484 7,136 6,922

Total noninterest expense 12,211 10,641 23,276 20,754

Income before income taxes 8,421 5,901 14,616 11,394

Income tax expense 2,732 1,857 4,720 3,544

Net income 5,689 4,044 9,896 7,850

Other comprehensive income (loss):

Unrealized gain (loss) on derivatives 608 (288) 242 (643)

Unrealized gain (loss) on securities available-for-sale (7,729) 6,811 (3,466) 15,298

Reclassification adjustment for realized (gain) loss on securities, net of OTTI 897 (26) 840 (277)

Tax effect 2,421 (2,527) 927 (5,593)

Total other comprehensive income (loss) (3,803) 3,970 (1,457) 8,785

Comprehensive income $ 1,886 $ 8,014 $ 8,439 $ 16,635

Basic net income per share (in dollars per share) $ 0.85 $ 0.61 $ 1.48 $ 1.18

Diluted net income per share (in dollars per share) $ 0.85 $ 0.60 $ 1.47 $ 1.17

Weighted average common shares outstanding (in shares) 6,702,843 6,681,253 6,698,948 6,680,945

Weighted average number of common and common equivalent shares outstanding (in shares) 6,713,661 6,686,332 6,710,415 6,682,954

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Interest Rate Swap Derivatives
6 Months Ended

Jun. 30, 2015

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Interest Rate Swap Derivatives
Note 6 – Interest Rate Swap Derivatives

The Company utilizes interest rate swap agreements as part of its asset liability management strategy to help manage its interest rate risk position. The notional amount of the interest rate swaps does not represent amounts exchanged by the parties. The amount exchanged is determined by reference to the notional amount and the other terms of the individual interest rate swap agreements.

During May 2011, the Company entered into two interest rate swaps with notional amounts totaling $10,000 which were designated as cash flow hedges of certain subordinated debentures and were determined to be fully effective during all periods presented. As such, no amount of ineffectiveness has been included in net income. Therefore, the aggregate fair value of the swaps is recorded in other liabilities with changes in fair value recorded in other comprehensive income. The amount included in accumulated other comprehensive income would be reclassified to current earnings should the hedges no longer be considered effective. The Company expects the hedges to remain highly effective during the remaining terms of the swaps.

Summary information about the interest rate swaps designated as cash flow hedges as of June 30, 2015 and December 31, 2014 is as follows:

June 30, 2015 December 31, 2014

(Dollars in thousands)

Notional Amounts $ 10,000 $ 10,000

Weighted average pay rates 5.35 % 5.35 %

Weighted average receive rates 1.69 % 1.64 %

Weigted average maturity 13.58 years 14.08 years

Unrealized losses $ 1,717 $ 1,959

The swaps were forward starting and had effective dates of March 15, 2012 and June 15, 2012. Interest expense recorded on these swap transactions totaled $185 and $186 for the six months ended June 30, 2015 and 2014, respectively, and is reported as a component of interest expense in other borrowings.

If the fair value falls below specified levels, the Company is required to pledge collateral against these derivative contract liabilities. As of June 30, 2015, the Company had pledged $2,235 with the counterparty. Under certain circumstances, including a downgrade of its credit rating below specified levels, the counterparty is required to pledge collateral against these derivative contract liabilities. As of June 30, 2015, no collateral had been pledged by the counterparty.

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Stock-Based Compensation
6 Months Ended

Jun. 30, 2015

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

Stock-Based Compensation
Note 5 – Stock-Based Compensation

The Company’s 2006 Long Term Incentive Plan provides for the issuance of restricted stock awards to officers and directors. Compensation expense is recognized over the vesting period of the awards based on the fair value of the stock at issue date.

On March 19, 2014, the Compensation Committee of the Company approved grants of 63,000 shares to certain of its directors and executive officers. The fair value of the stock was determined using the closing price on date of grant. The shares vest in equal one-third increments on each of February 1, 2015; February 1, 2016; and February 1, 2017.

A summary of changes in the Company’s nonvested shares for the six month period ended June 30, 2015 is as follows:

Weighted Avg

Number of Grant-Date

Shares Fair Value

Nonvested at January 1, 2015 63,000 $ 21.60

Granted - -

Vested (21,000 ) 21.60

Forfeited - -

Nonvested at June 30, 2015 42,000 $ 21.60



As of June 30, 2015, there was $739 of total unrecognized compensation cost related to nonvested shares granted under the Plan. This cost is being recognized over a period of nineteen months.

The total fair value of shares vested during the six month period ended June 30, 2015 was $567.

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Investment Securities - Amortized cost and fair value of available-for-sale and held-to-maturity investment securities portfolio (Details) - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Available-for-sale securities:

Amortized cost $ 677,613 $ 642,390

Gross unrealized gains 5,681 7,352

Gross unrealized losses (6,231) (5,277)

Estimated fair value 677,063 644,465

Obligations of U.S. Government agencies

Available-for-sale securities:

Amortized cost 194,100 181,104

Gross unrealized gains 414 307

Gross unrealized losses (1,983) (2,667)

Estimated fair value 192,531 178,744

Obligations of states and political subdivisions

Available-for-sale securities:

Amortized cost 126,094 98,538

Gross unrealized gains 2,666 3,400

Gross unrealized losses (1,159) (183)

Estimated fair value 127,601 101,755

U.S. GSE's MBS-residential

Available-for-sale securities:

Amortized cost 118,416 ^[1] 128,891

Gross unrealized gains 1,057 ^[1] 1,672

Gross unrealized losses (1,052) ^[1] (527)

Estimated fair value 118,421 ^[1] 130,036

U.S. GSE's CMO

Available-for-sale securities:

Amortized cost 136,331 123,921

Gross unrealized gains 708 983

Gross unrealized losses (1,096) (443)

Estimated fair value 135,943 124,461

Corporate bonds

Available-for-sale securities:

Amortized cost 102,672 109,936

Gross unrealized gains 836 990

Gross unrealized losses (941) (1,457)

Estimated fair value $ 102,567 $ 109,469

[1] Government sponsored entities

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Stock-Based Compensation (Tables)
6 Months Ended

Jun. 30, 2015

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

Schedule of summary of changes in the Company's nonvested shares

Weighted Avg

Number of Grant-Date

Shares Fair Value

Nonvested at January 1, 2015 63,000 $ 21.60

Granted - -

Vested (21,000 ) 21.60

Forfeited - -

Nonvested at June 30, 2015 42,000 $ 21.60

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Summary of Significant Accounting Policies (Policies)
6 Months Ended

Jun. 30, 2015

Accounting Policies [Abstract]

Nature of Operations and Principles of Consolidation

(a) Nature of Operations and Principles of Consolidation

The accompanying consolidated financial statements include the accounts of Southeastern Bank Financial Corporation and its wholly-owned subsidiary, Georgia Bank & Trust Company of Augusta, Georgia, together referred to as “the Company.” Significant intercompany transactions and accounts are eliminated in consolidation. Dollar amounts are rounded to thousands except share and per share data.

The Company provides financial services through its offices in Richmond and Columbia Counties, Georgia, and Aiken County, South Carolina. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate. Commercial loans are expected to be repaid from cash flow from operations of businesses. The Company has a significant concentration of loans with real estate developers. The ability of these customers to repay their loans is dependent on the real estate and general economic conditions in the area.

The financial statements for the three and six months ended June 30, 2015 and 2014 are unaudited and have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission. Certain information and footnote disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted pursuant to such rules and regulations. These consolidated financial statements should be read in conjunction with the audited consolidated financial statements and footnotes included in the Company’s annual report on Form 10-K for the year ended December 31, 2014.

In the opinion of management, all adjustments necessary to present fairly the financial position and the results of operations and cash flows for the interim periods have been made. All such adjustments are of a normal recurring nature. The results of operations for the three and six months ended June 30, 2015 are not necessarily indicative of the results of operations which the Company may achieve for the entire year.

Some items in the prior period financial statements were reclassified to conform to the current presentation.

Loans and Allowance for Loan Losses
(b) Loans and Allowance for Loan Losses

Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of deferred loan fees and costs, and an allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments.

Non-Accrual Loan Procedures:

Interest income on loans of all segments and classes are generally discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Consumer loans are typically charged off no later than 120 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. A loan is moved to non-accrual status in accordance with the Company’s policy, typically after 90 days of non-payment as measured from the loan’s contractual due date.

All interest, accrued but not received, for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Subsequent payments of interest are recognized on the cash basis as income when full collection of principal is expected. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured and there is a period of at least 6 months of repayment performance (1 year for loans providing for quarterly or semi-annual payments) by the borrower in accordance with contractual terms.

Concentration of Credit Risk:

Most of the Company’s business activity is with customers located within the Augusta-Richmond County, GA-SC metropolitan statistical area, part of the Central Savannah River Area (“CSRA”). Therefore, the Company’s exposure to credit risk is significantly affected by changes in the economy in this area. The Company also has a significant concentration of loans with real estate developers.

Allowance for Loan Losses:

The allowance for loan losses (ALLL) is a valuation allowance for probable incurred credit losses. The allowance for loan losses is established through a provision for loan losses charged to expense. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired.

Impaired Loans and Troubled Debt Restructurings:

A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due (both principal and interest) according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.

All lending relationships over $500 are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosures. Troubled debt restructurings are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses.

The following portfolio segments have been identified:

• Acquisition Development and Construction (“ADC”) – CSRA

• ADC – Other

• Commercial Real Estate – Non owner occupied

• Commercial Real Estate – Owner occupied

• 1-4 Family

• Consumer

• Other – Commercial, Financial and Agricultural

The following is a discussion of the risk characteristics of these portfolio segments.

Acquisition, Development & Construction (ADC) – CSRA (Primary Market) – ADC lending carries all of the normal risks involved in lending including the changing nature of borrower and guarantor financial conditions and the knowledge that the sale of the completed lots and/or structures is likely the sole source of repayment as opposed to other forms of borrower cash flow. In addition, this type of lending carries several additional risk factors including: (1) timely project completion (contractor financial condition, commodity prices, weather delays, prospective tenant financial condition); (2) market factors (changing economic conditions, unemployment rates, end-user financing availability, interest rates); (3) competition (similar product availability, bank foreclosed properties); and (4) end-product price stability.

ADC – Other – ADC lending in all other markets carries all of the ADC risks outlined for the CSRA plus the additional risk of lending outside of the Company’s traditional market area where our knowledge of these markets may not be as well developed.

Commercial Real Estate – Non Owner Occupied – This lending category includes loans for office, warehouse, retail, hotel/motel and other non-owner occupied properties. Loans in this category carry more risk than owner-occupied properties because the property’s cash flow is not derived from the owner of the property’s business, but from unrelated tenants. These outside tenants are each subject to their own set of business risks depending upon their own financial situation, competitors, industry segment and general economic conditions. Therefore, the cash flow from the property in the form of rent may not be as stable as a one-user, owner-occupied property.

Commercial Real Estate – Owner Occupied – This portfolio segment includes loans to finance office buildings, retail establishments, warehouses, convenience stores, churches, schools, daycare facilities, restaurants, health care facilities, golf courses and other owner-occupied properties. Loans in this category generally carry less risk than non-owner occupied properties because the cash flow to service the property’s debt is derived from the owner of the property’s business as opposed to unrelated third-party tenants. The cash flows and property values for one-user, owner-occupied properties tend to be more stable because they are based upon the operation of the owner’s business as opposed to rent from a variety of smaller tenants (each of which carries its own set of business and market risks).

1-4 Family – This lending category includes loans secured by improved residential real estate. Loans in this category are affected by local real estate markets, local & national economic factors affecting borrowers’ employment prospects & income levels, and levels & movement of interest rates and the general availability of mortgage financing.

Consumer – This portfolio segment includes loans secured by consumer goods (e.g. vehicles, recreational products, equipment, etc.), but also may be unsecured. Similar to the 1-4 family category, this segment of the loan portfolio depends on a variety of local & national economic factors affecting borrowers’ employment prospects, income levels and overall economic sentiment.

Commercial, Financial and Agricultural – This portfolio segment includes loans for a wide variety of business purposes. This segment also includes home equity lines of credit, loans secured by multi-family properties and loans to government entities. Loans in this category are affected by changes in national, regional and local economic factors that affect the businesses that operate in our market.

The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans that become uncollectible, based on evaluations of the collectability of loans. The evaluations take into consideration such factors as changes in the nature and volume of the loan portfolio, historical loss rates, overall portfolio quality, review of specific problem loans, and current economic conditions and trends that may affect a borrower’s ability to pay. The allowance is evaluated on a regular basis utilizing estimated loss factors for specific types of loans. Such loss factors are periodically reviewed and adjusted as necessary based on actual losses.

While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may advise the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.

The process of assessing the adequacy of the allowance is necessarily subjective. Further, and particularly in terms of economic downturns, it is reasonably possible that future credit losses may exceed historical loss levels and may also exceed management’s current estimates of probable incurred credit losses inherent within the loan portfolio. As such, there can be no assurance that future loan charge-offs will not exceed management’s current estimate of the allowance for loan losses.

ALLL Methodology:

The Company’s approach to ALLL reserve calculation uses two distinct perspectives, the guidelines of using Financial Accounting Standards ASC 450 (Accounting for Contingencies) and ASC 310 (Accounting by Creditors for Impairment of a Loan, for individual loans). The process is generally as follows and methodology applies to all classes of loans within the portfolio segments:

• Loans are grouped in categories of similar risk characteristics (portfolio segments).

• For each loan category, a four year average rolling historical net loss rate is calculated, with the loss rate more heavily weighted to the most recent two years loss history. The historical loss ratios are adjusted for internal and external qualitative factors within each loan category. The qualitative factor adjustment may be further increased for loan classifications of watch rated and substandard within each category. Factors include:

○
levels and trends in delinquencies and impaired/classified/graded loans;

○
changes in the quality of the loan review system;

○
trends in volume and terms of loans;

○
effects of changes in risk selection and underwriting standards, and other changes in lending policies, procedures and practices;

○
experience, ability, and depth of lending management and other relevant staff;

○
national and local economic trends and conditions;

○
changes in the value of underlying collateral;

○
other external factors-competition, legal and regulatory requirements; and

○
effects of changes in credit concentrations.

• The resultant loss factor is applied to each respective loan pool to calculate the ALLL for each loan pool.

• The total of each loan pool is then added to the ALLL determined for individual loans evaluated for impairment in accordance with ASC 310.

There have been no changes to the methodology during 2015 and 2014.

Loans Held for Sale:

Mortgage loans held for sale are generally sold with servicing rights released. The Company originates mortgages to be held for sale only for loans that have been individually pre-approved by the investor. Mortgage loans originated and intended for sale in the secondary market are carried at fair value, as determined by outstanding commitments from investors.

Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold.

The Company bears minimal interest rate risk on these loans and only holds the loans temporarily until documentation can be completed to finalize the sale to the investor.

Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as free standing derivatives. Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked. The Company enters into forward commitments for the future delivery of mortgage loans when interest rate locks are entered into, in order to hedge the change in interest rates resulting from its commitments to fund the loans. Changes in the fair values of these derivatives are included in net gains on sales of loans. Fair values of these derivatives were $50 and $6 as of June 30, 2015 and December 31, 2014, respectively.

Derivatives

(c) Derivatives

At the inception of a derivative contract, the Company designates the derivative as one of three types based on the Company’s intentions and belief as to likely effectiveness as a hedge. These three types are (1) a hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (“fair value hedge”), (2) a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to a recognized asset or liability (“cash flow hedge”), or (3) an instrument with no hedging designation (“stand-alone derivative”). For a fair value hedge, the gain or loss on the derivative, as well as the offsetting loss or gain on the hedged item, are recognized in current earnings as fair values change. For a cash flow hedge, the gain or loss on the derivative is reported in other comprehensive income and is reclassified into earnings in the same periods during which the hedged transaction affects earnings. For both types of hedges, changes in the fair value of derivatives that are not highly effective in hedging the changes in fair value or expected cash flows of the hedged item are recognized immediately in current earnings. Changes in the fair value of derivatives that do not qualify for hedge accounting are reported currently in earnings, as noninterest income.

Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest income or interest expense, based on the item being hedged. Net cash settlements on derivatives that do not qualify for hedge accounting are reported in noninterest income. Cash flows on hedges are classified in the cash flow statement the same as the cash flows of the items being hedged.

The Company formally documents the relationship between derivatives and hedged items, as well as the risk-management objective and the strategy for undertaking hedge transactions at the inception of the hedging relationship. This documentation includes linking fair value or cash flow hedges to specific assets and liabilities on the balance sheet or to specific firm commitments or forecasted transactions. The Company also formally assesses, both at the hedge’s inception and on an ongoing basis, whether the derivative instruments that are used are highly effective in offsetting changes in fair values or cash flows of the hedged items. The Company discontinues hedge accounting when it determines that the derivative is no longer effective in offsetting changes in the fair value or cash flows of the hedged item, the derivative is settled or terminates, a hedged forecasted transaction is no longer probable, a hedged firm commitment is no longer firm, or treatment of the derivative as a hedge is no longer appropriate or intended.

When hedge accounting is discontinued, subsequent changes in fair value of the derivative are recorded as noninterest income. When a fair value hedge is discontinued, the hedged asset or liability is no longer adjusted for changes in fair value and the existing basis adjustment is amortized or accreted over the remaining life of the asset or liability. When a cash flow hedge is discontinued but the hedged cash flows or forecasted transactions are still expected to occur, gains or losses that were accumulated in other comprehensive income are amortized into earnings over the same periods which the hedged transactions will affect earnings.

Recent Accounting Pronouncements

(d) Recent Accounting Pronouncements

In May 2014, the FASB issued an update (ASU No. 2014-09, Revenue from Contracts with Customers) creating FASB Topic 606, Revenue from Contracts with Customers. The guidance in this update affects any entity that either enters into contracts with customers to transfer goods or services or enters into contracts for the transfer of nonfinancial assets unless those contracts are within the scope of other standards (for example, insurance contracts or lease contracts). The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The guidance provides steps to follow to achieve the core principle. An entity should disclose sufficient information to enable users of financial statements to understand the nature, amount, timing and uncertainty of revenue and cash flows arising from contracts with customers. Qualitative and quantitative information is required about contracts with customers, significant judgments and changes in judgments, and assets recognized from the costs to obtain or fulfill a contract. The amendments in this update are effective for interim and annual reporting periods beginning after December 15, 2017. We are currently evaluating the impact of adopting the new guidance on the consolidated financial statements.

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Other Comprehensive Income (Loss)
6 Months Ended

Jun. 30, 2015

Comprehensive Income (Loss), Net Of Tax, Attributable To Parent [Abstract]

Other Comprehensive Income (Loss)

Note 7 – Other Comprehensive Income (Loss)

Other comprehensive income (loss) for the Company consists of changes in net unrealized gains and losses on investment securities available-for-sale and interest rate swap derivatives. The following tables present a summary of the accumulated other comprehensive income balances, net of tax, as of June 30, 2015 and 2014.

Unrealized
Gain (Loss) on
Derivatives

Unrealized
Gain (Loss) on
Securities

Accumulated Other
Comprehensive
Income (Loss)

(Dollars in thousands)

Balance, December 31, 2014 $ (1,197 ) $ 1,268 $ 71

Current Year change 148 (1,605 ) (1,457 )

Balance, June 30, 2015 $ (1,049 ) $ (337 ) $ (1,386 )

Unrealized
Gain (Loss) on
Derivatives

Unrealized
Gain (Loss) on
Securities

Accumulated Other
Comprehensive
Income (Loss)

(Dollars in thousands)

Balance, December 31, 2013 $ (469 ) $ (9,632 ) $ (10,101 )

Current Year change (393 ) 9,178 8,785

Balance, June 30, 2014 $ (862 ) $ (454 ) $ (1,316 )

The following tables present reclassifications out of accumulated other comprehensive income (loss).

Three Months Ended June 30,

2015 2014

Details about Accumulated
Other Comprehensive Income
Components

Amount reclassified from
Accumulated Other
Comprehensive Income

Amount reclassified from
Accumulated Other
Comprehensive Income
Affected line item in the Statement
where Net Income is presented

(Dollars in thousands)

Unrealized gains and losses on available-for-sale securities

$ (897 ) $ 26 Investment securities gains (losses), net

291 (8 ) Tax benefit (expense)

$ (606 ) $ 18 Net of tax

Six Months Ended June 30,

2015 2014

Details about Accumulated
Other Comprehensive Income
Components
Amount reclassified from
Accumulated Other
Comprehensive Income

Amount reclassified from
Accumulated Other
Comprehensive Income

Affected line item in the Statement
where Net Income is presented

(Dollars in thousands)

Unrealized gains and losses on available-for-sale securities

$ (840 ) $ 277 Investment securities gains (losses), net

271 (86 ) Tax benefit (expense)

$ (569 ) $ 191 Net of tax

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Dividends
6 Months Ended

Jun. 30, 2015

Dividends [Abstract]

Dividends

Note 8 – Dividends

On January 14, 2015, the Company declared a quarterly cash dividend of $0.15 per share on outstanding shares. The dividend was paid on February 13, 2015 to shareholders of record as of January 30, 2015.

On April 22, 2015, the Company declared a quarterly cash dividend of $0.15 per share on outstanding shares. The dividend was paid on May 22, 2015 to shareholders of record as of May 8, 2015.

On July 22, 2015, the Company declared a quarterly cash dividend of $0.15 per share on outstanding shares. The dividend is payable on August 21, 2015 to shareholders of record as of August 7, 2015.

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Investment Securities (Tables)
6 Months Ended

Jun. 30, 2015

Investments, Debt and Equity Securities [Abstract]

Schedule of amortized cost and fair value of the available-for-sale investment securities portfolio

June 30, 2015

Gross Gross

Amortized unrealized unrealized Estimated

cost gains losses fair value

Available-for-sale (Dollars in thousands)

Obligations of U.S. Government agencies
$ 194,100 414 (1,983 ) 192,531

Obligations of states and political subdivisions
126,094 2,666 (1,159 ) 127,601

Mortgage backed securities

U.S. GSE’s* MBS - residential 118,416 1,057 (1,052 ) 118,421

U.S. GSE’s CMO 136,331 708 (1,096 ) 135,943

Corporate bonds 102,672 836 (941 ) 102,567

$ 677,613 5,681 (6,231 ) 677,063

* Government sponsored entities

December 31, 2014

Gross Gross

Amortized unrealized unrealized Estimated

cost gains losses fair value

Available-for-sale (Dollars in thousands)

Obligations of U.S. Government agencies
$ 181,104 307 (2,667 ) 178,744

Obligations of states and political subdivisions
98,538 3,400 (183 ) 101,755

Mortgage backed securities

U.S. GSE’s MBS - residential 128,891 1,672 (527 ) 130,036

U.S. GSE’s CMO 123,921 983 (443 ) 124,461

Corporate bonds 109,936 990 (1,457 ) 109,469

$ 642,390 7,352 (5,277 ) 644,465

Schedule of proceeds from sales of securities available-for-sale and the associated gains (losses), excluding gains (losses) on called securities

Three Months Ended Six Months Ended

June 30, June 30,

2015 2014 2015 2014

(Dollars in thousands) (Dollars in thousands)

Proceeds $ 53,848 $ 34,609 $ 77,148 $ 77,968

Gross Gains 111 438 219 910

Gross Losses (1,008 ) (412 ) (1,059 ) (633 )

Schedule of amortized cost and fair value of the investment securities portfolio excluding equity securities by expected maturity

June 30, 2015

Amortized Estimated

cost fair value

(Dollars in thousands)

Available-for-sale:

One year or less $ 4,759 4,804

After one year through five years 98,801 99,797

After five years through ten years 186,480 185,105

After ten years 387,573 387,357

$ 677,613 677,063

Schedule of investment securities with unrealized losses

June 30, 2015

Less than 12 months 12 months or longer Total

Estimated Unrealized Estimated Unrealized Estimated Unrealized

fair value loss fair value loss fair value loss

Temporarily impaired (Dollars in thousands)

Obligations of U.S. Government agencies
$ 47,395 300 78,689 1,683 126,084 1,983

Obligations of states and political subdivisions
49,949 1,042 3,426 117 53,375 1,159

Mortgage backed securities

U.S. GSE’s MBS - residential 42,756 730 11,907 322 54,663 1,052

U.S. GSE’s CMO 72,520 894 7,203 202 79,723 1,096

Corporate bonds 47,816 529 15,245 412 63,061 941

$ 260,436 3,495 116,470 2,736 376,906 6,231

December 31, 2014

Less than 12 months 12 months or longer Total

Estimated Unrealized Estimated Unrealized Estimated Unrealized

fair value loss fair value loss fair value loss

Temporarily impaired (Dollars in thousands)

Obligations of U.S. Government agencies
$ 19,108 98 112,541 2,569 131,649 2,667

Obligations of states and political subdivisions
11,285 49 6,048 134 17,333 183

Mortgage backed securities

U.S. GSE’s MBS - residential 9,041 44 35,529 483 44,570 527

U.S. GSE’s CMO 36,594 216 18,205 227 54,799 443

Corporate bonds 29,769 204 29,421 1,253 59,190 1,457

$ 105,797 611 201,744 4,666 307,541 5,277

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Loans - Summary of interest income on impaired loans (Details 4) - Loans - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Financing Receivable, Impaired [Line Items]

Interest Income Recognized $ 93 $ 101 $ 230 $ 206

Cash Basis Interest Income Recognized $ 93 $ 101 $ 230 $ 206

Commercial, financial, and agricultural - Commercial

Financing Receivable, Impaired [Line Items]

Interest Income Recognized

Cash Basis Interest Income Recognized

Commercial, financial, and agricultural - Financial

Financing Receivable, Impaired [Line Items]

Interest Income Recognized

Cash Basis Interest Income Recognized

Commercial, financial, and agricultural - Agricultural

Financing Receivable, Impaired [Line Items]

Interest Income Recognized

Cash Basis Interest Income Recognized

Commercial, financial, and agricultural - Equity lines

Financing Receivable, Impaired [Line Items]

Interest Income Recognized

Cash Basis Interest Income Recognized

Commercial, financial, and agricultural - Other

Financing Receivable, Impaired [Line Items]

Interest Income Recognized

Cash Basis Interest Income Recognized

Commercial real estate - Owner occupied

Financing Receivable, Impaired [Line Items]

Interest Income Recognized $ 3 $ 3 $ 6 $ 7

Cash Basis Interest Income Recognized 3 3 6 7

Commercial real estate - Non Owner occupied

Financing Receivable, Impaired [Line Items]

Interest Income Recognized 73 80 178 163

Cash Basis Interest Income Recognized 73 80 178 163

Residential real estate - Secured by first liens

Financing Receivable, Impaired [Line Items]

Interest Income Recognized 9 6 30 12

Cash Basis Interest Income Recognized 9 6 30 12

Residential real estate - Secured by junior liens

Financing Receivable, Impaired [Line Items]

Interest Income Recognized 1 1 3 3

Cash Basis Interest Income Recognized $ 1 $ 1 $ 3 $ 3

Acquisition, development and construction - Residential

Financing Receivable, Impaired [Line Items]

Interest Income Recognized

Cash Basis Interest Income Recognized

Acquisition, development and construction - Other

Financing Receivable, Impaired [Line Items]

Interest Income Recognized $ 7 $ 11 $ 13 $ 21

Cash Basis Interest Income Recognized $ 7 $ 11 $ 13 $ 21

Consumer

Financing Receivable, Impaired [Line Items]

Interest Income Recognized

Cash Basis Interest Income Recognized

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Other Comprehensive Income (Loss) - Summary of accumulated other comprehensive income balances net of tax (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Accumulated Other Comprehensive Income (Loss)

Balance $ 71 $ (10,101)

Current Year change $ (3,803) $ 3,970 (1,457) 8,785

Balance (1,386) (1,316) (1,386) (1,316)

Unrealized Gain (Loss) on Derivatives

Accumulated Other Comprehensive Income (Loss)

Balance (1,197) (469)

Current Year change 148 (393)

Balance (1,049) (862) (1,049) (862)

Unrealized Gain (Loss) on Securities

Accumulated Other Comprehensive Income (Loss)

Balance 1,268 (9,632)

Current Year change (1,605) 9,178

Balance $ (337) $ (454) $ (337) $ (454)

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Other Comprehensive Income (Loss) (Tables)
6 Months Ended

Jun. 30, 2015

Comprehensive Income (Loss), Net Of Tax, Attributable To Parent [Abstract]

Schedule of accumulated other comprehensive income balances, net of taxes

Unrealized
Gain (Loss) on
Derivatives

Unrealized
Gain (Loss) on
Securities

Accumulated Other
Comprehensive
Income (Loss)

(Dollars in thousands)

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Unrealized
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Comprehensive
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Balance, December 31, 2013 $ (469 ) $ (9,632 ) $ (10,101 )

Current Year change (393 ) 9,178 8,785

Balance, June 30, 2014 $ (862 ) $ (454 ) $ (1,316 )

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Three Months Ended June 30,

2015 2014

Details about Accumulated
Other Comprehensive Income
Components

Amount reclassified from
Accumulated Other
Comprehensive Income

Amount reclassified from
Accumulated Other
Comprehensive Income
Affected line item in the Statement
where Net Income is presented

(Dollars in thousands)

Unrealized gains and losses on available-for-sale securities

$ (897 ) $ 26 Investment securities gains (losses), net

291 (8 ) Tax benefit (expense)

$ (606 ) $ 18 Net of tax

Six Months Ended June 30,

2015 2014

Details about Accumulated
Other Comprehensive Income
Components
Amount reclassified from
Accumulated Other
Comprehensive Income

Amount reclassified from
Accumulated Other
Comprehensive Income

Affected line item in the Statement
where Net Income is presented

(Dollars in thousands)

Unrealized gains and losses on available-for-sale securities

$ (840 ) $ 277 Investment securities gains (losses), net

271 (86 ) Tax benefit (expense)

$ (569 ) $ 191 Net of tax

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Investment Securities - Investment securities with unrealized losses (Details 3) - Temporarily impaired - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Schedule of Available-for-sale Securities [Line Items]

Less than 12 months, Estimated fair value $ 260,436 $ 105,797

Less than 12 months, Unrealized loss 3,495 611

12 months or longer, Estimated fair value 116,470 201,744

12 months or longer, Unrealized loss 2,736 4,666

Total, Estimated fair value 376,906 307,541

Total Unrealized loss 6,231 5,277

Obligations of U.S. Government agencies

Schedule of Available-for-sale Securities [Line Items]

Less than 12 months, Estimated fair value 47,395 19,108

Less than 12 months, Unrealized loss 300 98

12 months or longer, Estimated fair value 78,689 112,541

12 months or longer, Unrealized loss 1,683 2,569

Total, Estimated fair value 126,084 131,649

Total Unrealized loss 1,983 2,667

Obligations of states and political subdivisions

Schedule of Available-for-sale Securities [Line Items]

Less than 12 months, Estimated fair value 49,949 11,285

Less than 12 months, Unrealized loss 1,042 49

12 months or longer, Estimated fair value 3,426 6,048

12 months or longer, Unrealized loss 117 134

Total, Estimated fair value 53,375 17,333

Total Unrealized loss 1,159 183

U.S. GSE's MBS-residential

Schedule of Available-for-sale Securities [Line Items]

Less than 12 months, Estimated fair value 42,756 9,041

Less than 12 months, Unrealized loss 730 44

12 months or longer, Estimated fair value 11,907 35,529

12 months or longer, Unrealized loss 322 483

Total, Estimated fair value 54,663 44,570

Total Unrealized loss 1,052 527

U.S. GSE's CMO

Schedule of Available-for-sale Securities [Line Items]

Less than 12 months, Estimated fair value 72,520 36,594

Less than 12 months, Unrealized loss 894 216

12 months or longer, Estimated fair value 7,203 18,205

12 months or longer, Unrealized loss 202 227

Total, Estimated fair value 79,723 54,799

Total Unrealized loss 1,096 443

Corporate bonds

Schedule of Available-for-sale Securities [Line Items]

Less than 12 months, Estimated fair value 47,816 29,769

Less than 12 months, Unrealized loss 529 204

12 months or longer, Estimated fair value 15,245 29,421

12 months or longer, Unrealized loss 412 1,253

Total, Estimated fair value 63,061 59,190

Total Unrealized loss $ 941 $ 1,457

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Interest Rate Swap Derivatives - Interest rate swaps designated as cash flow hedges (Details) - Interest Rate Swap Derivatives - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended

Jun. 30, 2015

Dec. 31, 2014

May. 31, 2011

Derivative [Line Items]

Notional Amounts $ 10,000 $ 10,000 $ 10,000

Weighted average pay rates 5.35% 5.35%

Weighted average receive rates 1.69% 1.64%

Weighted average maturity 13 years 6 months 29 days 14 years 29 days

Unrealized losses $ 1,717 $ 1,959

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Fair Value Measurements - Reconciliation and income statement classification of gains and losses for all assets measured at fair value on recurring basis using significant unobservable inputs (Level 3) (Details 1) - Fair value, recurring basis - Level 3 - USD ($)
$ in Thousands
6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]

Beginning balance $ 112 $ 110

Total gains or losses (realized/unrealized) Included in earnings

Gain (loss) on sales

Other-than-temporary impairment

Included in other comprehensive income $ 26 $ 1

Purchases, sales, issuances and settlements

Purchases

Sales, Calls

Issuances

Settlements

Principal repayments

Transfers into Level 3

Transfers out of Level 3 $ (138)

Ending balance $ 111

Corporate bonds

Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]

Beginning balance $ 112 $ 110

Total gains or losses (realized/unrealized) Included in earnings

Gain (loss) on sales

Other-than-temporary impairment

Included in other comprehensive income $ 26 $ 1

Purchases, sales, issuances and settlements

Purchases

Sales, Calls

Issuances

Settlements

Principal repayments

Transfers into Level 3

Transfers out of Level 3 $ (138)

Ending balance $ 111

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Consolidated Statements of Comprehensive Income (Unaudited) (Parentheticals) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Income Statement [Abstract]

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Fair Value Measurements
6 Months Ended

Jun. 30, 2015

Fair Value Disclosures [Abstract]

Fair Value Measurements
Note 4 – Fair Value Measurements

Fair value is the exchange price that would be received to sell an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants at the measurement date. The fair value hierarchy 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 values:

Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

Level 2: Significant other observable inputs other than Level 1 prices, such as quoted market prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data.

Level 3: Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

In determining the appropriate levels, the Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument:

Investment Securities: The fair values for investment securities are determined by quoted market prices, if available (Level 1). For securities where quoted prices are not available, fair values are calculated based on matrix pricing which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities relationship to other benchmark quoted securities (Level 2). For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other non-observable market indicators (Level 3). The fair values of Level 3 investment securities are determined by an independent third party. These valuations are then reviewed by the Company’s Controller and CFO. Discounted cash flows are calculated using spread to swap and LIBOR curves that are updated to incorporate loss severities, volatility, credit spread and optionality. During times when trading is more liquid, broker quotes are used (if available) to validate the model. Rating agency and industry research reports as well as defaults and deferrals on individual securities are reviewed and incorporated into the calculations.

Interest Rate Swap Derivatives: The fair value of interest rate swap derivatives is determined based on discounted cash flow valuation models using observable market data as of the measurement date (Level 2 inputs). The fair value adjustment is included in other liabilities.

Mortgage Banking Derivatives: The fair value of mortgage banking derivatives is determined by individual third party sales contract prices for the specific loans held at each reporting period end (Level 2 inputs). The fair value adjustment is included in other assets.

Loans Held for Sale: Loans held for sale are carried at fair value, as determined by outstanding commitments, from third party investors (Level 2). None of the Company’s loans held for sale are past due 90 days or more or on nonaccrual as of June 30, 2015 and December 31, 2014.

Impaired Loans: The fair value of collateral dependent impaired loans is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

Other Real Estate Owned: Assets acquired through or instead of loan foreclosure are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. The fair value of other real estate owned is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value. Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

Appraisals for both collateral dependent impaired loans and other real estate owned are performed by certified general appraisers, certified residential appraisers or state licensed appraisers whose qualifications and licenses are annually reviewed and verified by the Company. Once received, a member of the Real Estate Valuation Department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value and determines if reasonable. Appraisals for collateral dependent impaired loans and other real estate owned are updated annually. On an annual basis the Company compares the actual selling costs of collateral that has been liquidated to the selling price to determine what additional adjustment should be made to the appraisal value. The most recent analysis performed indicated that an additional discount of 8% should be applied to properties with appraisals performed within 12 months.

Assets and Liabilities Measured on a Recurring Basis

The following tables present the balances of assets and liabilities measured at fair value on a recurring basis by level within the hierarchy as of June 30, 2015 and December 31, 2014.

June 30, Quoted Prices
in Active Markets for
Identical Assets Significant Other
Observable Inputs Significant
Unobservable
Inputs

2015 (Level 1) (Level 2) (Level 3)

(Dollars in thousands)

Assets:

Available-for-sale securities

Obligations of U.S. Government agencies $ 192,531 - 192,531 -

Obligations of states and political subdivisions 127,601 - 127,601 -

Mortgage-backed securities

U.S. GSE’s MBS - residential 118,421 - 118,421 -

U.S. GSE’s CMO 135,943 - 135,943 -

Corporate bonds 102,567 - 102,567 -

Total available-for-sale securities $ 677,063 - 677,063 -

Loans held for sale 26,469 - 26,469 -

Mortgage banking derivatives 50 - 50 -

$ 703,582 - 703,582 -

Liabilities:

Interest rate swap derivatives 1,717 - 1,717 -

$ 1,717 - 1,717 -

December 31, Quoted Prices in
Active Markets for
Identical Assets Significant Other
Observable Inputs Significant
Unobservable
Inputs

2014 (Level 1) (Level 2) (Level 3)

(Dollars in thousands)

Assets:

Available-for-sale securities

Obligations of U.S. Government agencies $ 178,744 - 178,744 -

Obligations of states and political subdivisions 101,755 - 101,755 -

Mortgage-backed securities

U.S. GSE’s MBS - residential 130,036 - 130,036 -

U.S. GSE’s CMO 124,461 - 124,461 -

Corporate bonds 109,469 - 109,357 112

Total available-for-sale securities $ 644,465 - 644,353 112

Loans held for sale 18,365 - 18,365 -

Mortgage banking derivatives 6 - 6 -

$ 662,836 - 662,724 112

Liabilities:

Interest rate swap derivatives 1,959 - 1,959 -

$ 1,959 - 1,959 -



The Company’s policy is to recognize transfers into or out of a level as of the end of the reporting period.



Transfers between Level 1 and Level 2:



No securities were transferred between Level 1 and Level 2 during the six months ended June 30, 2015 and the six months ended June 30, 2014.

Transfers between Level 2 and Level 3:

During the six months ended June 30, 2015, one corporate security was transferred out of Level 3 and into Level 2 based on observable market data for this security due to increased market activity for this security. This security with a market value of $138 as of March 31, 2015 was transferred on March 31, 2015. No securities were transferred between Level 2 and Level 3 during the six months ended June 30, 2014.

The following tables present a reconciliation and income statement classification of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the six months ended June 30, 2015 and 2014.

Fair Value Measurements Using Significant Unobservable

Inputs (Level 3)

Total Corporate bonds

(Dollars in thousands)

Beginning balance, January 1, 2015 $ 112 $ 112

Total gains or losses (realized/unrealized)

Included in earnings

Gain (loss) on sales - -

Other-than-temporary impairment - -

Included in other comprehensive income 26 26

Purchases, sales, issuances and settlements

Purchases - -

Sales, Calls - -

Issuances - -

Settlements - -

Principal repayments - -

Transfers into Level 3 - -

Transfers out of Level 3 (138 ) (138 )

Ending balance, June 30, 2015 $ - $ -

Fair Value Measurements Using Significant Unobservable

Inputs (Level 3)

Total Corporate bonds

(Dollars in thousands)

Beginning balance, January 1, 2014 $ 110 $ 110

Total gains or losses (realized/unrealized)

Included in earnings

Gain (loss) on sales - -

Other-than-temporary impairment - -

Included in other comprehensive income 1 1

Purchases, sales, issuances and settlements

Purchases - -

Sales, Calls - -

Issuances - -

Settlements - -

Principal repayments - -

Transfers into Level 3 - -

Transfers out of Level 3 - -

Ending balance, June 30, 2014 $ 111 $ 111

The Company uses an independent third party to value its U.S. government agencies, mortgage-backed securities, and corporate bonds. Their approach uses relevant information generated by transactions that have occurred in the market place that involve similar assets, as well as using cash flow information when necessary. These inputs are observable, either directly or indirectly in the market place for similar assets. The Company considers these valuations to be Level 2 pricing.

The fair value of the Company’s municipal securities is determined by another independent third party. Their approach uses relevant information generated by transactions that have occurred in the market place that involve similar assets. These inputs are observable, either directly or indirectly in the market place for similar assets. The Company considers these valuations to be Level 2 pricing.

For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows (Level 3 pricing) as determined by an independent third party. The significant unobservable inputs used in the valuation model include prepayment rates, constant default rates, loss severity and yields.

On a quarterly basis, the Company selects a random sample of investment security valuations, as determined by the independent third party, to validate pricing and level assignments.

At June 30, 2015, there were no financial instruments measured at fair value on a recurring basis using level 3 inputs.

The following table presents quantitative information about level 3 fair value measurements for financial instruments measured at fair value on a recurring basis at December 31, 2014.

Dec. 31, Valuation Unobservable Range

2014 Technique Inputs (Weighted Avg)

(Dollars in thousands)

Available-for-sale securities

Corporate bonds 112 discounted cash flow yield 10.00%

The significant unobservable inputs used in the fair value measurement of the Company’s corporate bonds are yields that the market would require for corporate debt obligations with similar maturities and risk characteristics.

Assets and Liabilities Measured on a Non-Recurring Basis

Assets and liabilities measured at fair value on a non-recurring basis as of June 30, 2015 and December 31, 2014 are summarized below.

June 30, Quoted Prices in
Active Markets for
Identical Assets Significant Other
Observable Inputs Significant
Unobservable
Inputs

2015 (Level 1) (Level 2) (Level 3)

(Dollars in thousands)

Assets:

Impaired loans (1)

Commercial, financial, and agricultural $ 882 - - 882

Real estate:

Commercial 1,119 - - 1,119

Residential 1,436 - - 1,436

Acquisition, development and construction 2,033 - - 2,033

Consumer installment 1 - - 1

$ 5,471 - - 5,471

Other real estate owned

Real estate:

Commercial $ 144 - - 144

Acquisition, development and construction 360 - - 360

$ 504 - - 504

$ 5,975 - - 5,975

(1) Includes loans directly charged down to fair value.

December 31, Quoted Prices in
Active Markets for
Identical Assets Significant Other
Observable Inputs Significant
Unobservable
Inputs

2014 (Level 1) (Level 2) (Level 3)

(Dollars in thousands)

Assets:

Impaired loans

Commercial, financial, and agricultural $ 2,582 - - 2,582

Real estate:

Commercial 2,166 - - 2,166

Residential 1,421 - - 1,421

Acquisition, development and construction 5,352 - - 5,352

Consumer installment 2 - - 2

$ 11,523 - - 11,523

Other real estate owned

Real estate:

Commercial $ 144 - - 144

Acquisition, development and construction 435 - - 435

$ 579 - - 579

$ 12,102 - - 12,102

The following represents impairment charges recognized during the period:

Impaired loans, which are measured for impairment using the fair value of collateral for collateral dependent loans, had a recorded investment of $5,471, resulting in an additional provision for loan losses of $750 and $1,135 for the three and six months ended June 30, 2015.

As of December 31, 2014, impaired loans had a recorded investment of $11,730, with a valuation allowance of $207, resulting in an additional provision for loan losses of $2,038 for the year ending 2014.

Other real estate owned was $504 which consisted of the outstanding balance of $807, less a valuation allowance of $303. There were no write downs for the six months ended June 30, 2015.

As of December 31, 2014, other real estate owned was $579 which consisted of the outstanding balance of $896, less a valuation allowance of $317, resulting in a write down of $266 for the year ending 2014.

The following tables present quantitative information about level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at June 30, 2015 and December 31, 2014.

June 30, Valuation Unobservable Range

2015 Techniques Inputs (Weighted Avg)

(Dollars in thousands)

Impaired loans

Commercial, financial and agricultural 882 sales comparison adjustment for 0.00% - 30.00% (15.00%)

differences between

the comparable sales

income approach capitalization rate 10.82%

liquidation value

Real estate:

Commercial 1,119 sales comparison adjustment for 0.00% - 70.99% (20.73%)

differences between

the comparable sales

income approach capitalization rate 8.25% - 9.29% (8.84%)

Residential 1,436 sales comparison adjustment for 0.00% - 37.00% (8.71%)

differences between

the comparable sales

liquidation value

Acquisition, development and

construction 2,033 sales comparison adjustment for 0.00% - 161.40% (33.97%)

differences between

the comparable sales

Consumer installment 1 liquidation value

Other real estate owned

Real estate:

Commercial 144 sales comparison adjustment for 0.00% - 25.00% (12.50%)

differences between

the comparable sales

Acquisition, development and

construction 360 sales comparison adjustment for 10.00% - 42.00% (26.00%)

differences between

the comparable sales

Dec. 31, Valuation Unobservable Range

2014 Techniques Inputs (Weighted Avg)

(Dollars in thousands)

Impaired loans

Commercial, financial and agricultural 2,582 sales comparison adjustment for 7.00% - 50.00% (28.50%)

differences between

the comparable sales

income approach capitalization rate 9.39%

liquidation value

Real estate:

Commercial 2,166 sales comparison adjustment for 0.00% - 70.99% (19.92%)

differences between

the comparable sales

income approach capitalization rate 8.25% - 10.00% (8.97%)

liquidation value

Residential 1,421 sales comparison adjustment for 1.30% - 24.46% (7.24%)

differences between

the comparable sales

Acquisition, development and

construction 5,352 sales comparison adjustment for 0.00% - 161.40% (28.55%)

differences between

the comparable sales

income approach discount rate 9.50% - 10.00% (9.69%)

Consumer installment 2 liquidation value

Other real estate owned

Real estate:

Commercial 144 sales comparison adjustment for 0.00% - 25.00% (12.50%)

differences between

the comparable sales

Acquisition, development and

construction 435 sales comparison adjustment for 5.00% - 60.00% (27.12%)

differences between

the comparable sales

Disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practicable to estimate that value is required. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument.

Because no market exists for a portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates.

The assumptions used in the estimation of the fair value of the Company’s financial instruments are explained below. Where quoted market prices are not available, fair values are based on estimates using discounted cash flow and other valuation techniques. Discounted cash flows can be significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. The following fair value estimates cannot be substantiated by comparison to independent markets and should not be considered representative of the liquidation value of the Company’s financial instruments, but rather a good-faith estimate of the fair value of financial instruments held by the Company. Certain financial instruments and all nonfinancial instruments are excluded from disclosure requirements.

The following methods and assumptions, not previously presented, were used by the Company in estimating the fair value of its financial instruments:

(a) Cash and Cash Equivalents

Fair value equals the carrying value of such assets due to their nature and is classified as Level 1.

(b) Loans, net

The fair value of loans is calculated using discounted cash flows by loan type resulting in a Level 3 classification. The discount rate used to determine the present value of the loan portfolio is an estimated market rate that reflects the credit and interest rate risk inherent in the loan portfolio without considering widening credit spreads due to market illiquidity. The estimated maturity is based on the Company’s historical experience with repayments adjusted to estimate the effect of current market conditions. The carrying amount of related accrued interest receivable, due to its short-term nature, approximates its fair value, is not significant and is not disclosed. The fair value of loans held for sale is estimated based upon binding contracts and quotes from third party investors resulting in a Level 2 classification. The allowance for loan losses is considered a reasonable discount for credit risk. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price.

(c) Restricted Equity Securities

The fair value of Federal Home Loan Bank (“FHLB”) stock was not practicable to determine due to restrictions placed on its transferability.

(d) Accrued Interest Receivable

The carrying amount of accrued interest approximates its fair value. Interest related to loans is classified as Level 3 while interest related to securities and loans held for sale is classified as Level 2.

(e) Deposits

Fair values for certificates of deposit have been determined using discounted cash flows. The discount rate used is based on estimated market rates for deposits of similar remaining maturities and are classified as Level 2. The carrying amounts of all other deposits, due to their short-term nature, approximate their fair values and are classified as Level 1. The carrying amount of related accrued interest payable, due to its short-term nature, approximates its fair value, is not significant and is not disclosed.



(f) Securities Sold Under Repurchase Agreements

Fair value approximates the carrying value of such liabilities due to their short-term nature and is classified as Level 1.

(g) Advances from FHLB

The fair value of the FHLB advances is obtained from the FHLB and is calculated by discounting contractual cash flows using an estimated interest rate based on the current rates available to the Company for debt of similar remaining maturities and collateral terms resulting in a Level 2 classification.

(h) Subordinated debentures

The fair value for subordinated debentures is calculated using discounted cash flows based upon current market spreads to LIBOR for debt of similar remaining maturities and collateral terms resulting in a Level 3 classification.

(i) Commitments

The difference between the carrying values and fair values of commitments to extend credit are not significant and are not disclosed.

The carrying amounts and estimated fair values of the Company’s financial instruments at June 30, 2015 and December 31, 2014, not previously presented, are as follows:



June 30, 2015

Carrying Fair Value Measurements

amount Total Level 1 Level 2 Level 3

(Dollars in thousands)

Financial assets:

Cash and cash equivalents $ 78,143 78,143 78,143 - -

Loans, net 913,694 914,721 - - 914,721

Restricted equity securities 3,936 N/A

Accrued interest receivable 5,982 5,982 - 3,474 2,508

Financial liabilities:

Deposits with stated maturities 361,777 364,391 - 364,391 -

Deposits without stated maturities 1,172,558 1,172,558 1,172,558 - -

Securities sold under repurchase agreements 649 649 649 - -

Advances from FHLB 56,000 58,351 - 58,351 -

Subordinated debentures 20,000 14,974 - - 14,974

December 31, 2014

Carrying Fair Value Measurements

amount Total Level 1 Level 2 Level 3

(Dollars in thousands)

Financial assets:

Cash and cash equivalents $ 35,995 35,995 35,995 - -

Loans, net 929,327 925,997 - - 925,997

Restricted equity securities 4,398 N/A

Accrued interest receivable 5,898 5,898 - 3,140 2,758

Financial liabilities:

Deposits with stated maturities 375,808 376,607 - 376,607 -

Deposits without stated maturities 1,088,056 1,088,056 1,088,056 - -

Securities sold under repurchase agreements 10,678 10,678 10,678 - -

Advances from FHLB 64,000 67,551 - 67,551 -

Subordinated debentures 20,000 14,886 - - 14,886

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The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.
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Investment Securities (Detail Textuals)
6 Months Ended 12 Months Ended

Jun. 30, 2015

Dec. 31, 2014

Investments, Debt and Equity Securities [Abstract]

Percentage Of Stockholder Equity Within Investment Portfolio 10% or more 10% or more

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Loans - Risk category of loans by class of loans (Details 8) - Loans - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Financing Receivable, Modifications [Line Items]

Loans $ 942,407 $ 966,041

Commercial, financial, and agricultural - Commercial

Financing Receivable, Modifications [Line Items]

Loans 104,947 122,680

Commercial, financial, and agricultural - Financial

Financing Receivable, Modifications [Line Items]

Loans 7,273 9,355

Commercial, financial, and agricultural - Agricultural

Financing Receivable, Modifications [Line Items]

Loans 11,835 9,797

Commercial, financial, and agricultural - Equity lines

Financing Receivable, Modifications [Line Items]

Loans 36,461 33,649

Commercial, financial, and agricultural - Other

Financing Receivable, Modifications [Line Items]

Loans 33,219 33,424

Commercial real estate - Owner occupied

Financing Receivable, Modifications [Line Items]

Loans 218,484 219,908

Commercial real estate - Non Owner occupied

Financing Receivable, Modifications [Line Items]

Loans 156,741 151,580

Residential real estate - Secured by first liens

Financing Receivable, Modifications [Line Items]

Loans 201,045 197,340

Residential real estate - Secured by junior liens

Financing Receivable, Modifications [Line Items]

Loans 6,022 6,757

Acquisition, development and construction - Residential

Financing Receivable, Modifications [Line Items]

Loans 43,884 45,264

Acquisition, development and construction - Other

Financing Receivable, Modifications [Line Items]

Loans 105,633 119,039

Consumer

Financing Receivable, Modifications [Line Items]

Loans 16,863 17,248

Pass

Financing Receivable, Modifications [Line Items]

Loans 874,079 884,750

Pass | Commercial, financial, and agricultural - Commercial

Financing Receivable, Modifications [Line Items]

Loans 99,961 109,908

Pass | Commercial, financial, and agricultural - Financial

Financing Receivable, Modifications [Line Items]

Loans 7,273 9,355

Pass | Commercial, financial, and agricultural - Agricultural

Financing Receivable, Modifications [Line Items]

Loans 8,638 6,636

Pass | Commercial, financial, and agricultural - Equity lines

Financing Receivable, Modifications [Line Items]

Loans 35,376 32,773

Pass | Commercial, financial, and agricultural - Other

Financing Receivable, Modifications [Line Items]

Loans 32,814 33,012

Pass | Commercial real estate - Owner occupied

Financing Receivable, Modifications [Line Items]

Loans 196,336 201,840

Pass | Commercial real estate - Non Owner occupied

Financing Receivable, Modifications [Line Items]

Loans 143,630 137,973

Pass | Residential real estate - Secured by first liens

Financing Receivable, Modifications [Line Items]

Loans 188,462 183,898

Pass | Residential real estate - Secured by junior liens

Financing Receivable, Modifications [Line Items]

Loans 5,197 6,125

Pass | Acquisition, development and construction - Residential

Financing Receivable, Modifications [Line Items]

Loans 43,781 45,264

Pass | Acquisition, development and construction - Other

Financing Receivable, Modifications [Line Items]

Loans 96,258 101,047

Pass | Consumer

Financing Receivable, Modifications [Line Items]

Loans 16,353 16,919

Watch

Financing Receivable, Modifications [Line Items]

Loans 40,707 50,046

Watch | Commercial, financial, and agricultural - Commercial

Financing Receivable, Modifications [Line Items]

Loans $ 2,195 $ 7,782

Watch | Commercial, financial, and agricultural - Financial

Financing Receivable, Modifications [Line Items]

Loans

Watch | Commercial, financial, and agricultural - Agricultural

Financing Receivable, Modifications [Line Items]

Loans $ 2,564 $ 1,960

Watch | Commercial, financial, and agricultural - Equity lines

Financing Receivable, Modifications [Line Items]

Loans 719 287

Watch | Commercial, financial, and agricultural - Other

Financing Receivable, Modifications [Line Items]

Loans 336 343

Watch | Commercial real estate - Owner occupied

Financing Receivable, Modifications [Line Items]

Loans 15,262 14,593

Watch | Commercial real estate - Non Owner occupied

Financing Receivable, Modifications [Line Items]

Loans 4,909 5,066

Watch | Residential real estate - Secured by first liens

Financing Receivable, Modifications [Line Items]

Loans 7,796 8,115

Watch | Residential real estate - Secured by junior liens

Financing Receivable, Modifications [Line Items]

Loans 194 $ 149

Watch | Acquisition, development and construction - Residential

Financing Receivable, Modifications [Line Items]

Loans 103

Watch | Acquisition, development and construction - Other

Financing Receivable, Modifications [Line Items]

Loans 6,233 $ 11,597

Watch | Consumer

Financing Receivable, Modifications [Line Items]

Loans 396 154

Substandard

Financing Receivable, Modifications [Line Items]

Loans 27,621 31,245

Substandard | Commercial, financial, and agricultural - Commercial

Financing Receivable, Modifications [Line Items]

Loans $ 2,791 $ 4,990

Substandard | Commercial, financial, and agricultural - Financial

Financing Receivable, Modifications [Line Items]

Loans

Substandard | Commercial, financial, and agricultural - Agricultural

Financing Receivable, Modifications [Line Items]

Loans $ 633 $ 1,201

Substandard | Commercial, financial, and agricultural - Equity lines

Financing Receivable, Modifications [Line Items]

Loans 366 589

Substandard | Commercial, financial, and agricultural - Other

Financing Receivable, Modifications [Line Items]

Loans 69 69

Substandard | Commercial real estate - Owner occupied

Financing Receivable, Modifications [Line Items]

Loans 6,886 3,475

Substandard | Commercial real estate - Non Owner occupied

Financing Receivable, Modifications [Line Items]

Loans 8,202 8,541

Substandard | Residential real estate - Secured by first liens

Financing Receivable, Modifications [Line Items]

Loans 4,787 5,327

Substandard | Residential real estate - Secured by junior liens

Financing Receivable, Modifications [Line Items]

Loans $ 631 $ 483

Substandard | Acquisition, development and construction - Residential

Financing Receivable, Modifications [Line Items]

Loans

Substandard | Acquisition, development and construction - Other

Financing Receivable, Modifications [Line Items]

Loans $ 3,142 $ 6,395

Substandard | Consumer

Financing Receivable, Modifications [Line Items]

Loans $ 114 $ 175

Doubtful

Financing Receivable, Modifications [Line Items]

Loans

Doubtful | Commercial, financial, and agricultural - Commercial

Financing Receivable, Modifications [Line Items]

Loans

Doubtful | Commercial, financial, and agricultural - Financial

Financing Receivable, Modifications [Line Items]

Loans

Doubtful | Commercial, financial, and agricultural - Agricultural

Financing Receivable, Modifications [Line Items]

Loans

Doubtful | Commercial, financial, and agricultural - Equity lines

Financing Receivable, Modifications [Line Items]

Loans

Doubtful | Commercial, financial, and agricultural - Other

Financing Receivable, Modifications [Line Items]

Loans

Doubtful | Commercial real estate - Owner occupied

Financing Receivable, Modifications [Line Items]

Loans

Doubtful | Commercial real estate - Non Owner occupied

Financing Receivable, Modifications [Line Items]

Loans

Doubtful | Residential real estate - Secured by first liens

Financing Receivable, Modifications [Line Items]

Loans

Doubtful | Residential real estate - Secured by junior liens

Financing Receivable, Modifications [Line Items]

Loans

Doubtful | Acquisition, development and construction - Residential

Financing Receivable, Modifications [Line Items]

Loans

Doubtful | Acquisition, development and construction - Other

Financing Receivable, Modifications [Line Items]

Loans

Doubtful | Consumer

Financing Receivable, Modifications [Line Items]

Loans

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XML 68 R20.htm IDEA: XBRL DOCUMENT v3.2.0.727

Interest Rate Swap Derivatives (Tables)
6 Months Ended

Jun. 30, 2015

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Schedule of information about the interest rate swaps designated as cash flow hedges

June 30, 2015 December 31, 2014

(Dollars in thousands)

Notional Amounts $ 10,000 $ 10,000

Weighted average pay rates 5.35 % 5.35 %

Weighted average receive rates 1.69 % 1.64 %

Weigted average maturity 13.58 years 14.08 years

Unrealized losses $ 1,717 $ 1,959

X

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Tabular disclosure of interest rate derivatives, including, but not limited to, the fair value of the derivatives, statement of financial position location, and statement of financial performance location of these instruments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 815

-SubTopic 10

-Section 50

-Paragraph 4C

-URI http://asc.fasb.org/extlink&oid=56946850&loc=SL5624171-113959

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Fair Value Measurements (Detail Textuals) $ in Thousands	3 Months Ended	6 Months Ended	12 Months Ended
Fair Value Measurements (Detail Textuals) $ in Thousands	Jun. 30, 2015 USD ($)	Jun. 30, 2015 USD ($) Security	Dec. 31, 2014 USD ($)	Mar. 31, 2015 USD ($)
Fair Value Disclosures [Abstract]
Additional Discount Applied To Appraisals Performed Within 12 Months		8.00%
Number of corporate security transferred \| Security		1
Market value of security transferred				$ 138
Carrying amount of impaired loans	$ 5,471	$ 5,471	$ 11,730
Impaired loans, valuation allowance			207
Additional provision for loan losses	750	1,135	2,038
Carrying amount of the other real estate owned	504	504	579
Outstanding balance of other real estate owned	807	807	896
Valuation allowance	$ 303	$ 303	317
Allowance written off			$ 266

Investment Securities - Amortized cost and fair value of investment securities portfolio excluding equity securities (Details 2) $ in Thousands	Jun. 30, 2015 USD ($)
Amortized cost available-for-sale:
One year or less	$ 4,759
After one year through five years	98,801
After five years through ten years	186,480
After ten years	387,573
Amortized cost	677,613
Estimated fair value available-for-sale:
One year or less	4,804
After one year through five years	99,797
After five years through ten years	185,105
After ten years	387,357
Estimated fair value	$ 677,063

Fair Value Measurements - Quantitative information about level 3 fair value measurements (Details 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2014	Jun. 30, 2015
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	$ 644,465	$ 677,063
Fair value, recurring basis \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	112
Fair value, recurring basis \| Level 3 \| Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	112
Fair value, recurring basis \| Level 3 \| Corporate bonds \| Discounted cash flow \| Weighted Avg
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	$ 112
Yield	10.00%

Loans - Loans by class modified as TDRs occurred (Details 7) - Loans $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015 USD ($) Contract	Jun. 30, 2014 USD ($) Contract	Jun. 30, 2015 USD ($) Contract	Jun. 30, 2014 USD ($) Contract
Financing Receivable, Modifications [Line Items]
Number of Loans \| Contract				1
Pre-Modification Outstanding Recorded Investment				$ 287
Post-Modification Outstanding Recorded Investment				$ 220
Commercial, financial, and agricultural - Commercial
Financing Receivable, Modifications [Line Items]
Number of Loans \| Contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Commercial, financial, and agricultural - Financial
Financing Receivable, Modifications [Line Items]
Number of Loans \| Contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Commercial, financial, and agricultural - Agricultural
Financing Receivable, Modifications [Line Items]
Number of Loans \| Contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Commercial, financial, and agricultural - Equity lines
Financing Receivable, Modifications [Line Items]
Number of Loans \| Contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Commercial, financial, and agricultural - Other
Financing Receivable, Modifications [Line Items]
Number of Loans \| Contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Commercial real estate - Owner occupied
Financing Receivable, Modifications [Line Items]
Number of Loans \| Contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Commercial real estate - Non Owner occupied
Financing Receivable, Modifications [Line Items]
Number of Loans \| Contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Residential real estate - Secured by first liens
Financing Receivable, Modifications [Line Items]
Number of Loans \| Contract				1
Pre-Modification Outstanding Recorded Investment				$ 287
Post-Modification Outstanding Recorded Investment				$ 220
Residential real estate - Secured by junior liens
Financing Receivable, Modifications [Line Items]
Number of Loans \| Contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Acquisition, development and construction - Residential
Financing Receivable, Modifications [Line Items]
Number of Loans \| Contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Acquisition, development and construction - Other
Financing Receivable, Modifications [Line Items]
Number of Loans \| Contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Consumer
Financing Receivable, Modifications [Line Items]
Number of Loans \| Contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment

Stock-Based Compensation - Summary of changes in nonvested shares (Details) - 6 months ended Jun. 30, 2015 - Restricted Stock - $ / shares	Total
Number of Shares
Nonvested at January 1, 2015	63,000
Granted
Vested	(21,000)
Forfeited
Nonvested at June 30, 2015	42,000
Weighted Avg Grant-Date Fair Value
Nonvested at January 1, 2015	$ 21.60
Granted
Vested	$ 21.60
Forfeited
Nonvested at June 30, 2015	$ 21.60

Investment Securities (Detail Textuals 2) $ in Thousands	6 Months Ended	12 Months Ended
Investment Securities (Detail Textuals 2) $ in Thousands	Jun. 30, 2015 USD ($) Security	Dec. 31, 2014 USD ($) Security
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities	$ 677,063	$ 644,465
Corporate Securities
Schedule of Available-for-sale Securities [Line Items]
Number of available for sale securities held in portfolio \| Security	47	45
Available-for-sale securities	$ 102,567	$ 109,469
Number of securities in unrealized loss position \| Security	31	25
Gross unrealized losses	$ 941	$ 1,457
Number of securities with unrealized loss issued by entities rated lower medium investment grade or higher \| Security	30	24
Unrealized loss on securities issued by entities rated lower medium investment grade or higher	$ 821	$ 1,319
Corporate Securities \| Level 3
Schedule of Available-for-sale Securities [Line Items]
Available for sale securities, fair value		$ 112
Discount rate used in valuation model		10.00%
Trust preferred securities
Schedule of Available-for-sale Securities [Line Items]
Number of available for sale securities held in portfolio \| Security	1	1
Available-for-sale securities	$ 250	$ 250
Gross unrealized losses	120	138
Available for sale securities, fair value	$ 130	$ 112

Loans - Summary of loans (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013
Real estate:
Less allowance for loan losses	$ 23,372		$ 25,506
Loans, net	919,165		940,850
Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial, financial, and agricultural	193,735		208,905
Real estate:
Commercial	375,225		371,488
Residential	207,067		204,097
Acquisition, development and construction	149,517		164,303
Consumer installment	16,863		17,248
Loans	942,407		966,041
Less allowance for loan losses	23,372	$ 25,391	25,506	$ 26,883	$ 26,300	$ 26,409
Less deferred loan origination fees (costs)	(130)		(315)
Loans, net	$ 919,165		$ 940,850

Loans - Allowance for loan losses and recorded investment in loans by portfolio segment and based on impairment method (Details 2) - USD ($) $ in Thousands	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013
Allowance for loan losses:
Allowance for loan losses	$ 23,372		$ 25,506
Loans
Allowance for loan losses:
Individually evaluated for impairment			207
Collectively evaluated for impairment	$ 23,372		25,299
Allowance for loan losses	23,372	$ 25,391	25,506	$ 26,883	$ 26,300	$ 26,409
Loans:
Individually evaluated for impairment	13,769		20,189
Collectively evaluated for impairment	928,638		945,852
Loans	$ 942,407		966,041
Loans \| Commercial, Financial, and Agricultural
Allowance for loan losses:
Individually evaluated for impairment			207
Collectively evaluated for impairment	$ 4,427		5,200
Allowance for loan losses	4,427	5,295	5,407	5,574	5,570	5,774
Loans:
Individually evaluated for impairment	1,072		2,995
Collectively evaluated for impairment	192,663		205,910
Loans	$ 193,735		$ 208,905
Loans \| CRE - Owner Occupied
Allowance for loan losses:
Individually evaluated for impairment
Collectively evaluated for impairment	$ 5,441		$ 4,805
Allowance for loan losses	5,441	5,373	4,805	6,133	6,036	5,706
Loans:
Individually evaluated for impairment	276		1,289
Collectively evaluated for impairment	218,208		218,619
Loans	$ 218,484		$ 219,908
Loans \| CRE - Non Owner Occupied
Allowance for loan losses:
Individually evaluated for impairment
Collectively evaluated for impairment	$ 3,841		$ 3,817
Allowance for loan losses	3,841	3,838	3,817	3,477	3,073	3,275
Loans:
Individually evaluated for impairment	7,520		7,687
Collectively evaluated for impairment	149,221		143,893
Loans	$ 156,741		$ 151,580
Loans \| Residential Real Estate
Allowance for loan losses:
Individually evaluated for impairment
Collectively evaluated for impairment	$ 6,336		$ 6,591
Allowance for loan losses	6,336	6,355	6,591	5,648	5,503	5,590
Loans:
Individually evaluated for impairment	2,295		2,285
Collectively evaluated for impairment	204,772		201,812
Loans	$ 207,067		$ 204,097
Loans \| ADC CSRA
Allowance for loan losses:
Individually evaluated for impairment
Collectively evaluated for impairment	$ 1,805		$ 1,943
Allowance for loan losses	1,805	1,631	1,943	2,511	2,757	3,107
Loans:
Individually evaluated for impairment	2,541		2,849
Collectively evaluated for impairment	108,060		107,235
Loans	$ 110,601		$ 110,084
Loans \| ADC Other
Allowance for loan losses:
Individually evaluated for impairment
Collectively evaluated for impairment	$ 921		$ 2,320
Allowance for loan losses	921	2,197	2,320	2,952	2,789	2,379
Loans:
Individually evaluated for impairment	64		3,082
Collectively evaluated for impairment	38,852		51,137
Loans	$ 38,916		$ 54,219
Loans \| Consumer
Allowance for loan losses:
Individually evaluated for impairment
Collectively evaluated for impairment	$ 601		$ 623
Allowance for loan losses	601	$ 702	623	$ 588	$ 572	$ 578
Loans:
Individually evaluated for impairment	1		2
Collectively evaluated for impairment	16,862		17,246
Loans	$ 16,863		$ 17,248

Fair Value Measurements - Balances of assets and liabilities measured at fair value on recurring basis (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Assets:
Available-for-sale securities	$ 677,063	$ 644,465
Fair value, recurring basis \| Estimate of fair value
Assets:
Available-for-sale securities	677,063	644,465
Loans held for sale	26,469	18,365
Mortgage banking derivatives	50	6
Total Assets	703,582	662,836
Liabilities:
Interest rate swap derivatives	1,717	1,959
Total Liabilities	1,717	1,959
Fair value, recurring basis \| Estimate of fair value \| Obligations of U.S. Government agencies
Assets:
Available-for-sale securities	192,531	178,744
Fair value, recurring basis \| Estimate of fair value \| Obligations of states and political subdivisions
Assets:
Available-for-sale securities	127,601	101,755
Fair value, recurring basis \| Estimate of fair value \| U.S. GSE's MBS - residential
Assets:
Available-for-sale securities	118,421	130,036
Fair value, recurring basis \| Estimate of fair value \| U.S. GSE's CMO
Assets:
Available-for-sale securities	135,943	124,461
Fair value, recurring basis \| Estimate of fair value \| Corporate bonds
Assets:
Available-for-sale securities	$ 102,567	$ 109,469
Fair value, recurring basis \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Assets:
Available-for-sale securities
Loans held for sale
Mortgage banking derivatives
Total Assets
Liabilities:
Interest rate swap derivatives
Total Liabilities
Fair value, recurring basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Obligations of U.S. Government agencies
Assets:
Available-for-sale securities
Fair value, recurring basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Obligations of states and political subdivisions
Assets:
Available-for-sale securities
Fair value, recurring basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| U.S. GSE's MBS - residential
Assets:
Available-for-sale securities
Fair value, recurring basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| U.S. GSE's CMO
Assets:
Available-for-sale securities
Fair value, recurring basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Corporate bonds
Assets:
Available-for-sale securities
Fair value, recurring basis \| Significant Other Observable Inputs (Level 2)
Assets:
Available-for-sale securities	$ 677,063	$ 644,353
Loans held for sale	26,469	18,365
Mortgage banking derivatives	50	6
Total Assets	703,582	662,724
Liabilities:
Interest rate swap derivatives	1,717	1,959
Total Liabilities	1,717	1,959
Fair value, recurring basis \| Significant Other Observable Inputs (Level 2) \| Obligations of U.S. Government agencies
Assets:
Available-for-sale securities	192,531	178,744
Fair value, recurring basis \| Significant Other Observable Inputs (Level 2) \| Obligations of states and political subdivisions
Assets:
Available-for-sale securities	127,601	101,755
Fair value, recurring basis \| Significant Other Observable Inputs (Level 2) \| U.S. GSE's MBS - residential
Assets:
Available-for-sale securities	118,421	130,036
Fair value, recurring basis \| Significant Other Observable Inputs (Level 2) \| U.S. GSE's CMO
Assets:
Available-for-sale securities	135,943	124,461
Fair value, recurring basis \| Significant Other Observable Inputs (Level 2) \| Corporate bonds
Assets:
Available-for-sale securities	$ 102,567	109,357
Fair value, recurring basis \| Significant Unobservable Inputs (Level 3)
Assets:
Available-for-sale securities		$ 112
Loans held for sale
Mortgage banking derivatives
Total Assets		$ 112
Liabilities:
Interest rate swap derivatives
Total Liabilities
Fair value, recurring basis \| Significant Unobservable Inputs (Level 3) \| Obligations of U.S. Government agencies
Assets:
Available-for-sale securities
Fair value, recurring basis \| Significant Unobservable Inputs (Level 3) \| Obligations of states and political subdivisions
Assets:
Available-for-sale securities
Fair value, recurring basis \| Significant Unobservable Inputs (Level 3) \| U.S. GSE's MBS - residential
Assets:
Available-for-sale securities
Fair value, recurring basis \| Significant Unobservable Inputs (Level 3) \| U.S. GSE's CMO
Assets:
Available-for-sale securities
Fair value, recurring basis \| Significant Unobservable Inputs (Level 3) \| Corporate bonds
Assets:
Available-for-sale securities		$ 112

Dividends (Detail Textuals) - $ / shares		1 Months Ended
Dividends (Detail Textuals) - $ / shares	Jan. 14, 2015	Jul. 22, 2015	Apr. 22, 2015
Subsequent Event [Line Items]
Cash dividend declared, per share	$ 0.15		$ 0.15
Cash dividend, date declared	Jan. 14, 2015		Apr. 22, 2015
Cash dividend, date to be paid	Feb. 13, 2015		May 22, 2015
Cash dividend, date of record	Jan. 30, 2015		May 08, 2015
Subsequent Event
Subsequent Event [Line Items]
Cash dividend declared, per share		$ 0.15
Cash dividend, date declared		Jul. 22, 2015
Cash dividend, date to be paid		Aug. 21, 2015
Cash dividend, date of record		Aug. 07, 2015

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Assets
Cash and due from banks	$ 74,602	$ 33,286
Interest-bearing deposits in other banks	3,541	2,709
Cash and cash equivalents	78,143	35,995
Available-for-sale securities	677,063	644,465
Loans held for sale, at fair value	26,469	18,365
Loans	942,537	966,356
Less allowance for loan losses	23,372	25,506
Loans, net	919,165	940,850
Premises and equipment, net	27,723	27,842
Accrued interest receivable	5,982	5,898
Bank-owned life insurance	37,467	36,908
Restricted equity securities	3,936	4,398
Other real estate owned	922	1,107
Deferred tax asset	15,722	15,263
Other assets	2,372	1,690
Total assets	1,794,964	1,732,781
Deposits
Noninterest-bearing	227,261	196,624
Interest-bearing:
NOW accounts	391,651	354,038
Savings	539,023	521,570
Money management accounts	14,623	15,824
Time deposits	361,777	375,808
Total deposits	1,534,335	1,463,864
Securities sold under repurchase agreements	649	10,678
Advances from Federal Home Loan Bank	56,000	64,000
Accrued interest payable and other liabilities	19,137	18,953
Due to broker	2,844
Subordinated debentures	20,000	20,000
Total liabilities	$ 1,632,965	$ 1,577,495
Stockholders' equity:
Preferred stock, no par value; 10,000,000 shares authorized; 0 shares outstanding in 2015 and 2014, respectively
Common stock, $3.00 par value; 10,000,000 shares authorized; 6,744,891 and 6,744,891 shares issued in 2015 and 2014, respectively; 6,744,843 and 6,744,160 shares outstanding in 2015 and 2014, respectively	$ 20,235	$ 20,235
Additional paid-in capital	63,377	63,096
Retained earnings	79,774	71,902
Treasury stock, at cost; 48 and 731 shares in 2015 and 2014, respectively	(1)	(18)
Accumulated other comprehensive (loss) income, net	(1,386)	71
Total stockholders' equity	161,999	155,286
Total liabilities and stockholders' equity	$ 1,794,964	$ 1,732,781

Fair Value Measurements - Carrying amounts and estimated fair values of Company's financial instruments (Details 5) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
Financial assets:
Cash and cash equivalents	$ 78,143	$ 35,995	$ 81,035	$ 47,336
Carrying amount
Financial assets:
Cash and cash equivalents	78,143	35,995
Loans, net	913,694	929,327
Restricted equity securities	3,936	4,398
Accrued interest receivable	5,982	5,898
Financial liabilities:
Deposits with stated maturities	361,777	375,808
Deposits without stated maturities	1,172,558	1,088,056
Securities sold under repurchase agreements	649	10,678
Advances from FHLB	56,000	64,000
Subordinated debentures	20,000	20,000
Fair value, recurring basis \| Estimate of fair value
Financial assets:
Cash and cash equivalents	78,143	35,995
Loans, net	914,721	$ 925,997
Restricted equity securities
Accrued interest receivable	5,982	$ 5,898
Financial liabilities:
Deposits with stated maturities	364,391	376,607
Deposits without stated maturities	1,172,558	1,088,056
Securities sold under repurchase agreements	649	10,678
Advances from FHLB	58,351	67,551
Subordinated debentures	14,974	14,886
Fair value, recurring basis \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Financial assets:
Cash and cash equivalents	$ 78,143	$ 35,995
Loans, net
Restricted equity securities
Accrued interest receivable
Financial liabilities:
Deposits with stated maturities
Deposits without stated maturities	$ 1,172,558	$ 1,088,056
Securities sold under repurchase agreements	$ 649	$ 10,678
Advances from FHLB
Subordinated debentures
Fair value, recurring basis \| Significant Other Observable Inputs (Level 2)
Financial assets:
Cash and cash equivalents
Loans, net
Restricted equity securities
Accrued interest receivable	$ 3,474	$ 3,140
Financial liabilities:
Deposits with stated maturities	$ 364,391	$ 376,607
Deposits without stated maturities
Securities sold under repurchase agreements
Advances from FHLB	$ 58,351	$ 67,551
Subordinated debentures
Fair value, recurring basis \| Fair Value, Inputs, Level 3
Financial assets:
Cash and cash equivalents
Loans, net	$ 914,721	$ 925,997
Restricted equity securities
Accrued interest receivable	$ 2,508	$ 2,758
Financial liabilities:
Deposits with stated maturities
Deposits without stated maturities
Securities sold under repurchase agreements
Advances from FHLB
Subordinated debentures	$ 14,974	$ 14,886

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Cash flows from operating activities:
Net income	$ 9,896	$ 7,850
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation	1,097	1,007
Deferred income tax expense (benefit)	468	(490)
Provision (Credit) for loan losses	(2,143)	2,068
Net investment securities losses (gains)	840	(277)
Net amortization of premiums on investment securities	1,921	2,465
Earnings from CSV of bank-owned life insurance	(559)	(559)
Stock-based compensation expense	233	155
Prepayment fees on Federal Home Loan Bank advances	955
Loss (gain) on disposal of premises and equipment	61	(12)
Gain on the sale of other real estate	(114)	(32)
Provision for other real estate valuation allowance	2	19
Gain on sales of loans	(3,312)	(2,192)
Real estate loans originated for sale	(108,540)	(77,949)
Proceeds from sales of real estate loans	103,748	66,560
(Increase) decrease in accrued interest receivable	(84)	234
(Increase) decrease in other assets	(682)	3,587
Increase in accrued interest payable and other liabilities	426	228
Net cash provided by operating activities	4,213	2,662
Cash flows from investing activities:
Proceeds from sales of available-for-sale securities	77,148	77,968
Proceeds from maturities and calls of available-for-sale securities	39,997	33,231
Purchase of available-for-sale securities	(152,285)	(95,986)
Proceeds from redemption of FHLB stock	500	471
Purchase of FHLB stock	(38)
Net decrease (increase) in loans	23,719	(57,090)
Additions to premises and equipment	(1,098)	(1,421)
Proceeds from sale of other real estate	405	225
Proceeds from sale of premises and equipment	59	50
Net cash used in investing activities	(11,593)	(42,552)
Cash flows from financing activities:
Net increase in deposits	70,471	77,009
Net decrease in securities sold under repurchase agreements	(10,029)	(155)
Payments of Federal Home Loan Bank advances	(8,955)
Purchase of treasury stock	(11)
Payments on subordinated debentures		(1,547)
Payment of cash dividends	(2,023)	(1,745)
Tax benefit from stock-based compensation	46
Proceeds from Directors' stock purchase plan	29	27
Net cash provided by financing activities	49,528	73,589
Net increase in cash and cash equivalents	42,148	33,699
Cash and cash equivalents at beginning of period	35,995	47,336
Cash and cash equivalents at end of period	78,143	81,035
Supplemental disclosures of cash paid during the period for:
Interest	4,385	4,516
Income taxes	4,287	3,670
Supplemental information on noncash investing activities:
Loans transferred to other real estate owned	500	$ 698
Loans provided for sales of other real estate owned	392
Due to broker	$ 2,844

Loans - Aging of recorded investment in past due loans (Details 5) - Loans - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]
30 - 89 Days Past Due	$ 6,757	$ 5,515
90 Days or More Past Due
Nonaccrual Loans	$ 8,158	$ 14,604
Total Past Due	14,915	20,119
Loans Not Past Due	927,492	945,922
Loans	942,407	$ 966,041
Commercial, financial, and agricultural - Commercial
Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]
30 - 89 Days Past Due	$ 28
90 Days or More Past Due
Nonaccrual Loans	$ 903	$ 2,865
Total Past Due	931	2,865
Loans Not Past Due	104,016	119,815
Loans	$ 104,947	$ 122,680
Commercial, financial, and agricultural - Financial
Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]
30 - 89 Days Past Due
90 Days or More Past Due
Nonaccrual Loans
Total Past Due
Loans Not Past Due	$ 7,273	$ 9,355
Loans	7,273	9,355
Commercial, financial, and agricultural - Agricultural
Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]
30 - 89 Days Past Due	$ 264	$ 276
90 Days or More Past Due
Nonaccrual Loans	$ 190	$ 206
Total Past Due	454	482
Loans Not Past Due	11,381	9,315
Loans	11,835	9,797
Commercial, financial, and agricultural - Equity lines
Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]
30 - 89 Days Past Due	$ 35	$ 33
90 Days or More Past Due
Nonaccrual Loans	$ 95	$ 318
Total Past Due	130	351
Loans Not Past Due	36,331	33,298
Loans	$ 36,461	$ 33,649
Commercial, financial, and agricultural - Other
Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]
30 - 89 Days Past Due
90 Days or More Past Due
Nonaccrual Loans	$ 69	$ 69
Total Past Due	69	69
Loans Not Past Due	33,150	33,355
Loans	33,219	33,424
Commercial real estate - Owner occupied
Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]
30 - 89 Days Past Due	$ 5,167	$ 1,638
90 Days or More Past Due
Nonaccrual Loans	$ 300	$ 620
Total Past Due	5,467	2,258
Loans Not Past Due	213,017	217,650
Loans	$ 218,484	$ 219,908
Commercial real estate - Non Owner occupied
Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]
30 - 89 Days Past Due
90 Days or More Past Due
Nonaccrual Loans	$ 844	$ 877
Total Past Due	844	877
Loans Not Past Due	155,897	150,703
Loans	156,741	151,580
Residential real estate - Secured by first liens
Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]
30 - 89 Days Past Due	$ 351	$ 2,919
90 Days or More Past Due
Nonaccrual Loans	$ 3,015	$ 3,451
Total Past Due	3,366	6,370
Loans Not Past Due	197,679	190,970
Loans	$ 201,045	197,340
Residential real estate - Secured by junior liens
Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]
30 - 89 Days Past Due		$ 347
90 Days or More Past Due
Nonaccrual Loans	$ 336	$ 188
Total Past Due	336	535
Loans Not Past Due	5,686	6,222
Loans	$ 6,022	$ 6,757
Acquisition, development and construction - Residential
Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]
30 - 89 Days Past Due
90 Days or More Past Due
Nonaccrual Loans
Total Past Due
Loans Not Past Due	$ 43,884	$ 45,264
Loans	43,884	45,264
Acquisition, development and construction - Other
Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]
30 - 89 Days Past Due	$ 866	$ 258
90 Days or More Past Due
Nonaccrual Loans	$ 2,337	$ 5,874
Total Past Due	3,203	6,132
Loans Not Past Due	102,430	112,907
Loans	105,633	119,039
Consumer
Financing Receivable Recorded Investment Credit Quality Indicators [Line Items]
30 - 89 Days Past Due	$ 46	$ 44
90 Days or More Past Due
Nonaccrual Loans	$ 69	$ 136
Total Past Due	115	180
Loans Not Past Due	16,748	17,068
Loans	$ 16,863	$ 17,248

Summary of Significant Accounting Policies (Detail Textuals) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Accounting Policies [Abstract]
Delinquent period on discontinuation of interest income on loans	90 days
Charging off period on consumer loans	120 days
Nonaccrual loans and loans period still accrual	90 days
Loans repayment performance period	6 months
Repayment performance period for quarterly and semi annual payments loans	1 year
Lending limit for impairment	$ 500
Fair values of derivatives	$ 50	$ 6

Consolidated Balance Sheets (Parentheticals) - $ / shares	Jun. 30, 2015	Dec. 31, 2014
Consolidated Balance Sheets [Abstract]
Preferred stock, no par value (in dollars per share)
Preferred stock, shares authorized	10,000,000	10,000,000
Preferred stock, shares outstanding	0	0
Common stock, par value (in dollars per share)	$ 3.00	$ 3.00
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	6,744,891	6,744,891
Common stock, shares outstanding	6,744,843	6,744,160
Treasury stock, shares	48	731

Document and Entity Information - shares	6 Months Ended
Document and Entity Information - shares	Jun. 30, 2015	Jul. 21, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	Southeastern Bank Financial CORP
Entity Central Index Key	0000880116
Trading Symbol	sbfc
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Entity Common Stock, Shares Outstanding		6,745,371
Document Type	10-Q
Document Period End Date	Jun. 30, 2015
Amendment Flag	false
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q2

Dividends	6 Months Ended
Dividends	Jun. 30, 2015
Dividends [Abstract]
Dividends	Note 8 – Dividends On January 14, 2015, the Company declared a quarterly cash dividend of $0.15 per share on outstanding shares. The dividend was paid on February 13, 2015 to shareholders of record as of January 30, 2015. On April 22, 2015, the Company declared a quarterly cash dividend of $0.15 per share on outstanding shares. The dividend was paid on May 22, 2015 to shareholders of record as of May 8, 2015. On July 22, 2015, the Company declared a quarterly cash dividend of $0.15 per share on outstanding shares. The dividend is payable on August 21, 2015 to shareholders of record as of August 7, 2015.

Investment Securities - Investment securities with unrealized losses (Details 3) - Temporarily impaired - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, Estimated fair value	$ 260,436	$ 105,797
Less than 12 months, Unrealized loss	3,495	611
12 months or longer, Estimated fair value	116,470	201,744
12 months or longer, Unrealized loss	2,736	4,666
Total, Estimated fair value	376,906	307,541
Total Unrealized loss	6,231	5,277
Obligations of U.S. Government agencies
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, Estimated fair value	47,395	19,108
Less than 12 months, Unrealized loss	300	98
12 months or longer, Estimated fair value	78,689	112,541
12 months or longer, Unrealized loss	1,683	2,569
Total, Estimated fair value	126,084	131,649
Total Unrealized loss	1,983	2,667
Obligations of states and political subdivisions
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, Estimated fair value	49,949	11,285
Less than 12 months, Unrealized loss	1,042	49
12 months or longer, Estimated fair value	3,426	6,048
12 months or longer, Unrealized loss	117	134
Total, Estimated fair value	53,375	17,333
Total Unrealized loss	1,159	183
U.S. GSE's MBS-residential
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, Estimated fair value	42,756	9,041
Less than 12 months, Unrealized loss	730	44
12 months or longer, Estimated fair value	11,907	35,529
12 months or longer, Unrealized loss	322	483
Total, Estimated fair value	54,663	44,570
Total Unrealized loss	1,052	527
U.S. GSE's CMO
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, Estimated fair value	72,520	36,594
Less than 12 months, Unrealized loss	894	216
12 months or longer, Estimated fair value	7,203	18,205
12 months or longer, Unrealized loss	202	227
Total, Estimated fair value	79,723	54,799
Total Unrealized loss	1,096	443
Corporate bonds
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, Estimated fair value	47,816	29,769
Less than 12 months, Unrealized loss	529	204
12 months or longer, Estimated fair value	15,245	29,421
12 months or longer, Unrealized loss	412	1,253
Total, Estimated fair value	63,061	59,190
Total Unrealized loss	$ 941	$ 1,457

Interest Rate Swap Derivatives - Interest rate swaps designated as cash flow hedges (Details) - Interest Rate Swap Derivatives - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014	May. 31, 2011
Derivative [Line Items]
Notional Amounts	$ 10,000	$ 10,000	$ 10,000
Weighted average pay rates	5.35%	5.35%
Weighted average receive rates	1.69%	1.64%
Weighted average maturity	13 years 6 months 29 days	14 years 29 days
Unrealized losses	$ 1,717	$ 1,959

Fair Value Measurements - Reconciliation and income statement classification of gains and losses for all assets measured at fair value on recurring basis using significant unobservable inputs (Level 3) (Details 1) - Fair value, recurring basis - Level 3 - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 112	$ 110
Total gains or losses (realized/unrealized) Included in earnings
Gain (loss) on sales
Other-than-temporary impairment
Included in other comprehensive income	$ 26	$ 1
Purchases, sales, issuances and settlements
Purchases
Sales, Calls
Issuances
Settlements
Principal repayments
Transfers into Level 3
Transfers out of Level 3	$ (138)
Ending balance		$ 111
Corporate bonds
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 112	$ 110
Total gains or losses (realized/unrealized) Included in earnings
Gain (loss) on sales
Other-than-temporary impairment
Included in other comprehensive income	$ 26	$ 1
Purchases, sales, issuances and settlements
Purchases
Sales, Calls
Issuances
Settlements
Principal repayments
Transfers into Level 3
Transfers out of Level 3	$ (138)
Ending balance		$ 111

Investment Securities (Detail Textuals)	6 Months Ended	12 Months Ended
Investment Securities (Detail Textuals)	Jun. 30, 2015	Dec. 31, 2014
Investments, Debt and Equity Securities [Abstract]
Percentage Of Stockholder Equity Within Investment Portfolio	10% or more	10% or more